statistik perbankan indonesia indonesian banking … · 2015-04-10 · syariah (bus) dan unit usaha...

STATISTIK PERBANKAN INDONESIA

INDONESIAN BANKING STATISTICS

Vol: 13 No. 2, Januari 2015

BULANAN

MONTHLY

ISSN: 2086-2954

i

Statistik Perbankan Indonesia (SPI) merupakan

media publikasi yang menyajikan data

mengenai perbankan Indonesia. SPI diterbitkan

secara bulanan oleh Departemen Perizinan dan

Informasi Perbankan untuk memberikan

gambaran perkembangan perbankan di Indonesia.

Sehubungan dengan beralihnya fungsi, tugas

dan wewenang pengaturan dan pengawasan

kegiatan jasa keuangan di sektor perbankan dari Bank Indonesia ke Otoritas Jasa Keuangan

sejak tanggal 31 Desember 2013, maka SPI edisi

November 2013 akan diterbitkan oleh Otoritas

Jasa Keuangan dan dapat diakses melalui

website www.ojk.go.id pada menu Data dan

Statistik-Perbankan.

Dengan perubahan tersebut, diharapkan data

yang disajikan tetap dapat bermanfaat bagi

pengguna.

Mulai bulan Mei 2014, data SPS yang

merupakan kumpulan data Bank Umum

Syariah (BUS) dan Unit Usaha Syariah (UUS)

disusun bersumber dari laporan BUS-UUS

sesuai dengan PBI No.15/4/PBI/2013 tentang

Laporan Stabilitas Moneter dan Sistem

Keuangan Bulanan Bank Umum Syariah dan

Unit Usaha Syariah.

Sebelumnya laporan dari BUS-UUS disusun

berdasarkan PBI No. 5/26/PBI/2003 tentang

Laporan Bulanan Bank Umum Syariah.

The Indonesia Banking Statistic is a publication media that provides data of Indonesia Banking. The SPI is published by the licence and banking information department monthly to give an overview of banking development in Indonesia. Due to change function, job and authority of arrangement and surveillance of financial services activity in banking sector from The Bank of Indonesia to Financial Services Authority since December 31th, 2003, so The SPI's edition on November 2013 will be published by Financial Services Authority and can be accessed through

website www.ojk.go.id at data menu and banking statistic. By the change, the provided data can be useful for user/stakeholder.

Start in May 2014, data of the SPS which is a collection of data Sharia Commercial Bank (BUS) and Sharia Business Unit (UUS) compiled sourced from the report of BUS-UUS based on PBI No. 15/4/PBI/2013 about Monthly Report on Monetary and Financial System Stability of Sharia Commercial Banks and Sharia Business Unit.

Previously report from BUS-UUS compiled based on PBI No. 26/5/PBI/2003 about Monthly Report of Sharia Commercial Banks.

KATA PENGANTAR FOREWARD

Jakarta, Maret 2015 Jakarta, March 2015

Otoritas Jasa Keuangan, Republik Indonesia Departemen Perizinan dan Informasi Perbankan

Financial Services Authority, Republic of Indonesia Bank Licensing and Banking Information Department

ii

HALAMAN KETERANGAN PAGE OF REFERANCE

Jadwal Publikasi Kedepan Edisi Januari 2015 akan diterbitkan pada minggu ke III bulan Maret 2015. Tanda-tanda, dan Sumber Data Suatu jumlah tidak selalu sama besarnya dengan penjumlahan angka-angka yang bersangkutan karena pembulatan. r Angka-angka diperbaiki ( ) Sebagian dari suatu jumlah * Angka-angka sementara ** Angka-angka sangat sementara *** Angka-angka sangat-sangat sementara - Tidak ada ... Angka belum tersedia

- - Nol atau lebih kecil daripada digit terakhir $ Dolar Amerika Serikat Tanda koma pada angka-angka harap dibaca sebagai titik dan sebaliknya tanda titik harap dibaca sebagai

koma. Sumber Data : Bank Indonesia dan Otoritas Jasa Keuangan, kecuali jika dinyatakan lain. 1. Data yang digunakan dalam Publikasi SPI

bersumber dari Laporan Bulanan Bank Umum (LBU), Laporan Bulanan Bank Umum Syariah (LBUS), dan Laporan Berkala Bank Perkreditan Rakyat (LBBPR) kecuali dinyatakan lain.

2. Proses download data; Data Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan Bank Umum Syariah (LBUS) yang disampaikan dari bank pelapor kepada Bank Indonesia diolah melalui Sistem Informasi Perbankan (SIP). Perbedaan waktu download data LBU melalui SIP dapat menyebabkan perbedaan pada data yang dipublikasikan ini dengan data publikasi yang lain. Oleh sebab itu, pembaca dihimbau untuk memperhatikan waktu download data. Misalnya pemrosesan data bulan laporan Februari 2014 untuk Publikasi Statistik Perbankan Indonesia

penerbitan periode ini dilakukan dari tanggal 10 April s/d tanggal 15 April 2015.

Sampai dengan bulan Desember 2014 data dalam publikasi ini disediakan melalui website OJK (http://www.ojk.go.id) dan website BI (http://www.bi.go.id). Departemen Perizinan dan Informasi Perbankan Deputi Direktur Publikasi dan Administrasi (IDAP)

Otoritas Jasa Keuangan Menara Radius Prawiro Jl. MH Thamrin No. 2, Jakarta Pusat Email: [email protected] Telepon: (021) 500 655 Fax: (021) 386 6032

Advance Release Calender (ARC) January 2015 edition will be released on the 3rd week of March 2015. Notes, Symbols and Sources of Data Totals do not necessarily agree with the sum of items shown because of roundings. r Revised figures ( ) Subset of data

* Provisional figures ** Very provisional figures *** Estimated figures - Not available ... Figures are not available yet - - Nil or less than the last digit $ US Dollar Commas in the numbers please read as point and vice versa, please read the point as a comma Data Source : Bank Indonesia and Financial Services Authority unless mentioned otherwise. 1. The data used in the Indonesian Banking Statistics

is derive from Commercial Bank Monthly Reports, Sharia Bank Monthly Reports and Rural Bank Monthly Reports.

2. Data from the Commercial Bank Monthly Reports

and the Sharia Bank Monthly Reports which submitted by the reporting banks to Bank Indonesia, is processed using the Bank Indonesia Banking Information System. The time taken to download data from Banking Information System can result in variations of the data that is published in this book, compared to other

published data. Therefore, readers are recommended to pay attention to the download time of data. The processing of the February 2014 monthly reports for this periode of the Indonesian Banking Statistics was done from 10 April until 15 April 2015.

Until December 2014, The data publication are also provided through OJK website (http://www.ojk.go.id) and BI website (http://www.bi.go.id). Bank Licensing and Banking Information Department Administration and Publication Deputy Director (IDAP) Indonesia Financial Services Authority Radius Prawiro Tower Jl. MH Thamrin No. 2, North Jakarta Email: [email protected] Telephone: +62-21—500 655 Fax: +62-21-386 6032

iii

DAFTAR ISI TABLE OF CONTENT

KATA PENGANTAR i

HALAMAN KETERANGAN ii

DAFTAR ISI iii

DAFTAR SINGKATAN iv

DAFTAR TABEL v

DATA 1

DATA BANK UMUM 3

DATA BANK SYARIAH 61

DATA BANK PERKREDITAN RAKYAT 77

DATA PERKREDITAN 93

INTRODUCTION i

PAGE OF REFFERENCE ii

TABLE OF CONTENT iii

LIST OF ABBREVIATIONS iv

LIST OF TABLES v

DATA 1

COMMERCIAL BANK DATA 3

SHARIA BANK DATA 61

RURAL BANK DATA 77

CREDIT DATA 93

iv

DAFTAR SINGKATAN LIST OF ABBREVIATION

APYD : Aktiva Produktif Yang Diklasifikasikan

ATMR : Aktiva Tertimbang Menurut Risiko

BOPO : Biaya Operasional terhadap Pendapatan

Operasional

BPD : Bank Pembangunan Daerah

CAR : Capital Adequacy Ratio

DPK : Dana Pihak Ketiga

KAP : Kualitas Aktiva Produktif

KBAB : Kewajiban Bersih Antar Bank

KP : Kantor Pusat

KC : Kantor Cabang

KCP : Kantor Cabang Pembantu

KK : Kantor Kas

KPW : Kantor Perwakilan

LBU : Laporan Bulanan Bank Umum

LDR : Loan to Deposit Ratio

NIM : Net Interest Margin

NPL : Non Performing Loan

ROA : Return on Assets

SIP : Sistem Informasi Perbankan

UKM : Usaha Kecil Menengah

UMKM : Usaha Mikro Kecil Menengah

NOM : Net Operating Margin

FDR : Financing to Deposit Ratio

APYD : Classified Earning assets

ATMR : Risk Weighted Assets

BOPO : Operations Expenses to Operations Income

BPD : Regional Development Bank

CAR : Capital Adequacy Ratio

DPK : Third Party Funds

KAP : Earning assets Qualtiy

KBAB : Inter-Bank Net Liabilities

KP : Head Office

KC : Branch Office

KCP : Sub-Branch Office

KK : Cash Office

KPW : Representative Office

LBU : Commercial Bank Monthly Report

LDR : Loan to Deposit Ratio

NIM : Net Interest Margin

NPL : Non-Performing Loan

ROA : Return on Assets

SIP : Banking Information System

UKM : Small/Medium-Scale-Enterprise Industry

UMKM : Small/Medium/Micro-Enterprise Industry

(SMEs)

NOM : Net Operating Margin

FDR : Financing to Deposit Ratio

v

DAFTAR TABEL LIST OF TABLES

NO. NO. TABEL JUDUL HAL TABLES TOPIC PAGES

DATA DATA

1. 1 Kegiatan Usaha Perbankan 2 1 Bank Industries Operation 2

DATA BANK UMUM COMMERCIAL BANK

2. 1.1.a s.d 1.7.a Kegiatan Usaha Bank Umum 4 1.1.a s.d 1.7.a Commercial Banks Operation 4

3. 1.8.a s.d

1.14.a

Laporan Laba/Rugi Bank Umum

11 1.8.a s.d

1.14.a

Commercial Banks Income Statement

11

4. 1.15.a s.d 1.21.a

Rekening Administratif Bank Umum 18 1.15.a s.d 1.21.a

Commercial Banks Off-Balance Sheet

18

5. 1.22.a s.d

1.28.a

Kinerja Bank Umum Konvensional 25 1.22.a s.d

1.28.a

Commercial Banks Performance 25

6. 1.29 Perkembangan Aset Bank Umum Berdasarkan Kelompok Bank

32 1.29 Growth of Commercial Banks Asset Based Group Bank

32

7. 1.30 Jumlah Bank Umum Berdasarkan

Pengelompokkan Total Aset

33 1.30 Total of Commercial Banks Based on Total Assets

33

8. 1.31 s.d 1.37 Aset Produktif Bank Umum Konvensional dan Kualitas Kredit Bank Umum Kepada Bank Lain

34 1.31 s.d 1.37 Earning Assets of Commercial Banks and Credit Quality of Commercial Banks to Other Bank

34

9. 1.38 s.d 1.44 Komposisi Dana Pihak Ketiga Bank Umum

41 1.38 s.d 1.44 Composition of Third Party Funds of Commercial Banks

41

10. 1.45 Komposisi DPK Bank Umum Berdasarkan Lokasi bank

Penghimpunan Dana

48 1.45 Composition of Third Party Funds of Commercial Banks Based on Bank Location Month (...) Year (...)

48

11. 1.46 Penghimpunan DPK Bank Umum Berdasarkan Lokasi Bank Penghimpunan Dana

49 1.46 Third Party Funds of Commercial Banks Based on Bank Location of Deposits

49

12. 1.47 s.d 1.53 Suku Bunga Rata-rata DPK Bank Umum

50 1.47 s.d 1.53 Average of Interest Rate of Third Party Fund of Commercial Banks

50

13. 1.54 Suku Bunga Rata-rata Kredit Bank Umum kepada Pihak Bukan Bank

Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

57 1.54 Average of Credit Interest Rates of Commercial Bank to Parties Non Bank Based on Industrial Origin and Non Industrial Origin Credit Recipients

57

14. 1.55 Suku Bunga Rata-rata Kredit Bank

Umum kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi

Penggunaan

58 1.55 Average of Credit Interest Rate of Commercial Based on Types and Orientation User

58

15. 1.56 Perkembangan Jumlah Bank Umum dan Kantor Bank Umum

59 1.56 Growth of Total Commercial Banks and Bank Offices

59

16. 1.57 Perkembangan Jumlah Kantor

Cabang Bank Berdasarkan Lokasi Bank

60 1.57 Growth of Total Branch offices Based on Region

60

DATA BANK SYARIAH SHARIA BANK DATA

17. 2.1 s.d 2.3 Kegiatan Usaha Bank Umum

Syariah 62 2.1 s.d 2.3 Sharia Commercial Bank

Operation 62

18. 2.4 Perkembangan Aset Perbankan

Syariah 65 2.4 Growth of Sharia Bank Assets 65

19. 2.5 Aktiva Produktif Perbankan Syariah 66 2.5 Earning Assets of Sharia Banks 66

20. 2.6 Komposisi DPK Perbankan Syariah 67 2.6 Composition of Third Party Funds of Syariah Banks

67

21. 2.7 Tingkat Bagi Hasil Rata-rata DPK

Bank Syariah

68 2.7 Average of Profit Sharing Rates of Third Party Fund of Sharia Banks

68

vi


22. 2.8 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi

69 2.8 Average of Margin Rates of Financing

69

23. 2.9 Tingkat Margin Rata-rata

Pembiayaan Berdasarkan Jenis Penggunaan

70 2.9 Average of Margin Rates of Financing Based on Type of Use

70

24. 2.10 Kegiatan Usaha BPR Syariah 71 2.10 Syariah Rural Bank 71

25. 2.11 Aset dan Pembiayaan BPR Syariah 72 2.11 Asset and Financing of Sharia Rural Bank)

72

26. 2.12 Jaringan Kantor Perbankan Syariah 73 2.12 Sharia Bank Office Network 73

27. 2.13 Kinerja Bank Umum Syariah 74 2.13 Islamic Commercial Bank Performance

74

28. 2.14 Bank Umum Syariah Berdasarkan Tingkat Rasio

75 2.14 Sharia Commercial Based on Ratios

75

DATA BANK PERKREDITAN

RAKYAT

RURAL BANK DATA

29. 3.1 Kegiatan Usaha Bank Perkreditan Rakyat

78 3.1 Rural Bank Operations 78

30. 3.2 Kinerja Bank Perkreditan Rakyat 79 3.2 Rural Bank Performance 79

31. 3.3 Perkembangan Aset BPR Berdasarkan Lokasi BPR

80 3.3 Growth of Assets Based Rural Bank Data

80

32. 3.4 Jumlah BPR Berdasarkan Total Aset 81 3.4 Rural Banks Based on Total Assets

81

33. 3.5 Non Performing Loan (NPL) Bank Perkreditan Rakyat

82 3.5 NPL of Rural Bank 82

34. 3.6 NPL BPR Berdasarkan Lokasi 83 3.6 NPL of Rural Banks Based On Location

83

35.

3.7

3.8

3.9

Dana Pihak Ketiga

a. Komposisi DPK Bank Perkreditan Rakyat

b. Komposisi DPK Berdasarkan

Lokasi Penghimpunan

c. DPK BPR Berdasarkan Lokasi Penghimpun

84

85

86

3.7

3.8

3.9

Third Party Funds of Rural Bank

a. Composition of Third Party Funds of Rural Bank

b. Composition of Third Party Funds Based on Location

c. Third Party Funds of Rural Banks Based on Location

84

85

86

36. 3.10 Suku Bunga Rata-rata DPK BPR 87 3.10 Average of Third Party Interest Rates of Rural Banks

87

37. 3.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi

88 3.11 Average of Credit Interest Rates of Rural Banks

88

38. 3.12 Suku Bunga rata-rata Kredit BPR Berdasarkan Jenis Penggunaan

89 3.12 Average of Credit Interest Rates of Rural Banks Based on Type of Use

89

39. jdkjdjdkdkjdjdkjddj

3.13

3.14

Perkembangan Jumlah Bank dan Kantor Bank

a. Perkembangan Jumlah BPR

b. Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi

jdkdjdj

90

91

ddddddddddddd

3.13

3.14

Growth of Total Rural Banks and Bank Offices

a. Growth of Total Rural Bank

b. Growth of Total Rural Bank Offices Based on Region

90

91

DATA PERKREDITAN CREDIT DATA

40. 4.1.a s.d 4.7.a Kredit dan NPL Bank Umum Kepada

Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

94 4.1.a s.d 4.7.a Credit Channeling and NPL Credit Channeling of Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary

94

vii


41. 4.8.a Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi

Dati I Bank Penyalur Kredit

101 4.8.a Credit and NPL of Comemrcial Bank to Non Bank Third Party Based on Business Sector and non Business Sector of Credit by Region

101

42. 4.9.a s.d 4.15.a

Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank

Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

102 4.9.a s.d 4.15.a

Credit and NPL of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use

102

43. 4.16.a Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank

Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan per Lokasi Dati I Bank Penyalur Kredit

109 4.16.a Credit and NPL of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use by Bank Location for [month] [year]

109

44. 4.17.a Kredit dan NPL Bank Umum Kepada

Pihak Ketiga Bukan Bank Berdasarkan Lokasi Dati I Bank Penyalur Kredit

110 4.17.a Credit and NPL 0f Commercial Banks to Non Bank Third Party Based on Bank Location

110


Pihak Ketiga Bukan Bank Berdasarkan Hubungan Penerima Kredit dengan Bank

111 4.18.a Credit and NPL of Commercial Bank to Non Bank Third Party Based on Bank Relation with Beneficiary

111


Pihak Ketiga Bukan Bank Yang Penarikannya Menggunakan Kartu Berdasarkan Kelompok Bank

112 4.19.a Credit and NPL of Commercial Bank to Non Bank Third Party Withdrawn By Card Based on Group of Bank

112

47. 4.20.a Penerusan Kredit (Off-Balance

Sheet) dan NPL Penerusan Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha

Penerima Penerusan Kredit

113 4.20.a Credit Channeling (Off-Balance Sheet) and NPLof Commercial Banks Based on Industries Sector and non Industries Sector of Credit Channeling Beneficiary

113

48. 4.21.a Penerusan Kredit (Off-Balance Sheet) dan Non PerformingLoan (NPL) Penerusan Kredit Bank Umum

Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Kredit dan Golongan Penyalur Kredit

114 4.21.a Off-Balance Sheet Credit Channeling and NPL of Commercial Banks to Non-Bank Third Party Based on Types of Credit and Classification of Credit Providers

114

49. 4.22 Pembiayaan Perbankan Syariah 115 4.22 Financing of Sharia banks 115

50. 4.23 Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi

116 4.23 Financing of Syariah Banks Based on Economic Sector

116

51. 4.24 Pembiayaan Perbankan Syariah Berdasarkan Lokasi Bank Penyalur

117 4.24 Financing of Syariah Banks Based on Banks Location

117

52. 4.25 Kredit BPR Berdasarkan Sektor Ekonomi

118 4.25 Credit of Rural Banks Based on Economic Sector

118

53. 4.26 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan

119 4.26 Credit of Rural Banks Based on Type of Use

119

54. 4.27 Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi Bank Penyalur

120 4.27 Credit of Rural Bank Based on Location

120

55. 4.28 Kredit dan NPL MKM dan UMKM Berdasarkan Sektor Ekonomi

121 4.28 Credit & NPL of MSMEs and SMEs Based on Economic Sector

121

56. 4.29 Kredit dan NPL MKM dan UMKM Berdasarkan Jenis Penggunaan

123 4.29 Credit & NPL of MSMEs and SMEs Based on Type Use

123

57. 4.30 Kredit dan NPL Rincian Kredit MKM dan UMKM Menurut Kelompok

Bank

124 4.30 Credit & NPL of MSMEs and SMEs Based on Group of Bank

124

58. 4.31 Kredit UMKM dan MKM Menurut Lokasi Proyek per Daerah Tingkat I

126 4.31 Credit & NPL of MSMEs and SMEs Based on Project Location

126

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Statistik Perbankan Indonesia - Vol. 13, No. 2, Januari 2015 Indonesia Banking Statistics - Vol. 13, No. 2, January 2015

2015

Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

Bank Umum 2.282.179 2.765.912 3.412.463 4.172.672 4.823.303 4.768.534 4.785.055 4.822.425 4.898.586 4.992.500 5.087.663 4.994.723 5.113.674 5.311.287 5.344.224 5.420.958 5.468.910 5.504.463 Commercial Banks

Bank Perkreditan Rakyat 36.076 43.877 53.534 64.753 74.550 74.669 75.378 76.006 76.449 76.722 77.460 78.154 79.621 81.013 82.685 84.000 86.931 87.109 Rural Banks

212.116 139.316 117.983 81.158 111.689 113.308 109.868 118.935 118.890 114.940 111.554 89.792 91.375 94.953 118.176 130.249 113.104 88.428





Bank Umum 121 122 120 120 120 120 120 120 119 119 119 119 119 119 119 119 119 119 Commercial Banks


Bank Umum 12.837 13.837 14.797 16.625 18.558 18.612 18.647 18.704 18.799 18.933 19.004 19.224 19.307 19.430 19.588 19.780 19.948 19.988 Commercial Banks


Jumlah Kantor

Indicator20112009 2010

Distribution of Funds

2012

Ket : 1) Sertifikat Bank Indonesia Syariah Note : 1) Bank Indonesia Certificates on Sharia Principles (SBIS)

Jumlah Aset Total Assets

Jumlah Bank

SBI and SBIS 1)

SBI dan SBIS 1)

Sumber Dana

Total Bank Offices

Total Banks

Tabel 1 Kegiatan Usaha Perbankan

(Bank Industries Operation)

Miliar Rp (Billion Rp)

Indikator

Source of Funds

Penyaluran Dana

2014

2013

2


2015

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

a. Kredit Yang Diberikan 2.725.674 3.170.805 3.182.949 3.241.040 3.319.842 3.284.890 3.293.465 3.334.011 3.388.776 3.429.684 3.494.968 3.521.624 3.522.370 3.592.087 3.589.007 3.627.985 3.706.501 3.667.163 a. Credit

- Kepada Pihak Ketiga 2.707.862 3.147.210 3.159.476 3.214.397 3.292.874 3.258.421 3.267.820 3.306.899 3.361.348 3.403.148 3.468.162 3.495.030 3.498.364 3.561.295 3.558.070 3.596.614 3.674.308 3.634.620 - To Third Party

Rupiah 2.281.021 2.615.707 2.645.356 2.658.529 2.720.500 2.692.185 2.724.157 2.763.878 2.799.009 2.837.612 2.897.535 2.926.904 2.921.972 2.961.089 2.969.668 3.000.592 3.057.964 3.010.140 Rupiah

Valas 426.841 531.503 514.120 555.868 572.374 566.236 543.664 543.020 562.339 565.536 570.628 568.127 576.392 600.206 588.402 596.022 616.345 624.480 Foreign Exchange

- Kepada Bank Lain 17.812 23.595 23.473 26.643 26.968 26.469 25.644 27.113 27.428 26.967 26.805 26.594 24.006 30.792 30.937 31.371 32.192 32.542 - Inter Bank Credit

Rupiah 10.596 15.587 15.775 16.144 16.681 16.318 16.151 16.665 16.779 17.225 17.889 18.842 16.922 17.327 17.969 18.507 19.100 18.791 Rupiah


b. Penempatan pada Bank Lain 166.623 211.452 196.390 182.582 171.915 169.400 174.528 182.726 169.220 212.379 205.824 171.202 173.980 213.838 200.815 213.888 182.432 218.842 b. Interbank Placement

- Giro 58.212 80.832 78.350 73.122 65.031 64.245 57.761 67.257 53.081 94.737 72.454 71.551 67.189 75.229 73.648 83.607 70.250 98.131 - Demand Deposit

- Inter Bank Call Money 76.279 85.452 78.544 71.870 83.549 79.792 86.503 80.004 75.042 76.591 85.799 68.847 66.158 79.949 67.567 75.458 77.697 75.860 - Inter Bank Call Money

- Deposito Berjangka 30.370 41.343 36.807 34.740 20.159 21.935 27.131 30.709 35.971 37.638 43.362 26.872 36.530 53.984 54.322 50.533 29.622 38.910 - Time Deposits

- Lainnya 1.761 3.825 2.690 2.849 3.176 3.428 3.133 4.757 5.126 3.414 4.210 3.932 4.103 4.676 5.278 4.290 4.864 5.942 - Others

c. Penempatan pada Bank Indonesia 580.697 475.606 462.291 467.916 506.453 474.693 475.415 441.537 487.425 497.172 515.894 519.387 527.629 579.798 600.921 588.099 569.018 598.780 c. Placement to Bank Indonesia


- Fine Tune Operation (FTO) 198.835 45.289 45.702 34.205 52.034 54.889 63.389 37.487 37.277 57.171 58.117 34.811 59.654 72.074 79.106 74.114 79.917 101.098 - Fine Tune Operation (FTO)

- Fasbi 65.431 102.546 97.452 105.363 110.905 77.214 80.926 68.279 114.631 139.411 124.733 145.824 105.843 156.497 169.432 161.655 123.020 128.876 - Fasbi

- Lainnya 27.178 22.624 15.220 17.492 20.952 18.119 18.212 21.298 15.089 5.753 5.961 2.047 2.903 7.057 3.036 2.789 4.493 3.651 - Others

d. Surat Berharga 429.946 485.539 506.638 530.804 520.642 535.701 530.823 544.414 554.911 542.927 551.232 524.565 533.356 559.052 582.687 602.956 636.688 648.548 d. Securitiess

- Sertifikat Bank Indonesia (SBI) 81.158 83.044 100.420 107.950 111.689 113.308 109.868 118.935 118.890 114.940 111.554 89.792 91.375 94.953 118.176 130.249 113.104 88.428 - Bank Indonesia Certificates (SBI)

- Surat Perbendaharaan Negara (SPN) 1.920 19.999 18.520 19.537 17.908 17.832 15.247 15.017 15.797 14.299 16.429 12.650 15.143 21.180 20.783 19.052 19.418 17.735 - Treasury Bills

- Obligasi 282.960 321.936 323.930 339.266 323.941 341.977 338.920 346.418 351.123 342.948 357.526 355.909 361.270 375.151 364.181 370.561 369.849 375.499 - Bonds

- Lainnya 63.909 60.560 63.767 64.051 67.103 62.584 66.788 64.044 69.102 70.739 65.723 66.214 65.568 67.768 79.547 83.093 134.316 166.887 - Others

e. Penyertaan 15.065 15.696 15.806 15.808 15.725 16.452 17.210 18.820 18.880 19.597 19.461 19.753 19.955 20.424 20.801 21.063 20.984 21.151 e. Equity Investment

f. Cadangan Kerugian Penurunan 69.931 77.693 84.322 79.304 79.492 81.287 82.997 81.317 83.242 85.939 85.561 87.828 88.989 88.620 90.749 91.886 90.454 93.899 f. Impairment on Financial Assets

Nilai Aset Keuangan (CKPN)

- Kredit yang diberikan 65.389 71.827 78.234 72.674 73.108 74.930 75.938 74.449 87.031 79.172 78.583 80.920 82.333 81.828 83.909 84.761 83.240 86.810 - Credit

- Surat Berharga 2.105 2.325 2.271 2.368 2.290 2.301 2.209 2.200 2.171 2.145 2.261 2.202 2.226 2.273 2.267 2.283 2.289 2.315 - Securities

- Lainnya 2.437 3.541 3.817 4.262 4.095 4.056 4.850 4.668 4.668*)

4.621 4.717 4.707 4.430 4.518 4.572 4.843 4.926 4.774 - Others

g. Tagihan Spot dan Derivatif 8.229 26.656 20.838 26.204 26.092 22.585 20.855 19.903 17.890 17.246 17.620 17.646 16.450 18.234 16.276 16.703 17.483 19.403 g. Spot and Derivatives Claims

h. Tagihan Lainnya 176.507 174.173 157.958 178.191 183.143 183.525 189.762 199.697 178.241 187.557 197.103 132.718 230.946 239.235 242.968 258.378 245.350 236.676 h. Other claims

Sumber Dana

a. Dana Pihak Ketiga 3.225.198 3.526.188 3.520.890 3.563.362 3.663.968 3.594.697 3.603.620 3.618.064 3.694.765 3.763.474 3.834.503 3.787.052 3.855.886 3.995.803 4.011.368 4.054.680 4.114.420 4.106.358 a. Third Party Funds

Rupiah 2.757.530 2.910.414 2.915.359 2.944.303 3.025.150 2.973.929 2.995.874 3.024.794 3.097.485 3.121.688 3.203.193 3.162.774 3.224.160 3.335.412 3.353.281 3.392.771 3.434.579 3.401.537 Rupiah

Giro 567.801 586.301 570.582 579.604 569.927 542.201 550.023 554.551 585.962 603.925 650.249 541.366 580.871 644.197 632.860 647.165 605.276 593.865 Demand Deposit

Tabungan 1.010.488 1.041.941 1.036.545 1.051.840 1.123.696 1.086.970 1.085.697 1.067.542 1.076.271 1.064.749 1.077.892 1.110.904 1.100.033 1.112.257 1.110.386 1.122.466 1.187.559 1.125.918 Saving

Simpanan Berjangka 1.179.242 1.282.172 1.308.232 1.312.858 1.331.527 1.344.758 1.360.153 1.402.701 1.435.252 1.453.015 1.475.053 1.510.504 1.543.256 1.578.958 1.610.035 1.623.140 1.641.743 1.681.754 Time Deposits



Tabungan 66.342 84.072 84.667 86.624 89.011 88.915 88.078 88.399 89.145 90.580 89.125 92.838 92.757 93.351 90.673 94.481 96.899 97.595 Saving

Simpanan Berjangka 202.056 260.848 248.815 241.987 272.952 259.955 249.683 250.277 249.064 270.615 280.448 273.306 277.288 294.266 281.575 281.448 298.633 309.224 Time Deposits

b. Kewajiban kepada Bank Indonesia 1.864 2.086 1.555 1.598 1.782 1.783 1.835 2.254 2.211 2.486 2.178 1.903 2.035 2.443 3.187 3.088 2.147 2.872 b. Liabilities to BI

c. Kewajiban kepada Bank lain 124.697 131.998 118.165 121.550 115.793 107.686 115.025 124.328 126.183 128.053 144.539 117.252 125.448 145.379 148.299 150.075 132.956 128.638 c. Interbank Liabilities

d. Surat Berharga yang diterbitkan 42.116 53.452 52.442 54.465 54.450 54.348 52.487 51.848 51.693 52.460 53.603 53.557 53.474 52.939 52.222 53.446 54.308 59.104 d. Issued Securities

e. Pinjaman yang Diterima 75.341 99.548 93.361 105.324 112.914 115.626 110.235 107.499 107.907 107.866 103.127 105.262 104.023 117.024 118.313 118.034 145.853 140.653 e. Loans received

Rupiah 12.229 15.164 15.100 15.601 16.025 15.899 15.679 15.646 15.787 16.187 16.035 15.656 15.217 15.875 18.220 19.755 20.350 19.445 Rupiah


f. Kewajiban Spot dan Derivatif 7.928 28.392 21.939 28.269 29.987 26.208 23.988 21.849 19.908 19.278 20.602 19.929 18.666 20.767 18.283 17.782 18.880 21.079 f. Spot and Derivatives Liabilities

g. Kewajiban Lainnya (mencakup Tagihan

Akseptasi, dan Tagihan atas Surat

Berharga yang dijual dgn janji dibeli

kembali/repo)

60.342 71.203 71.073 75.399 85.131 78.017 77.037 82.971 80.101 87.152 94.965 91.906 84.390 87.999 98.006 100.742 120.691 106.179 g. Other Liabilities

h. Setoran Jaminan 5.031 5.675 5.551 5.532 5.993 5.247 5.018 4.950 4.989 4.974 4.962 5.141 5.281 5.070 5.010 5.136 5.622 5.479 h. Margin Deposits

Beberapa komponen modal

a. Modal Disetor 123.279 135.063 135.911 136.476 138.138 139.982 140.691 141.694 143.411 145.389 148.557 149.667 150.716 151.186 152.370 152.539 153.439 154.008 a. Paid In Capital

b. Cadangan 38.656 50.759 50.632 50.688 50.619 50.625 52.805 54.771 59.993 62.000 64.712 65.151 68.654 66.017 68.652 64.949 67.568 67.577 b. Reserves

c. L/R Tahun lalu 1) 149.971 203.415 203.404 203.341 201.059 311.670 303.020 293.284 278.416 269.399 264.610 263.298 259.472 262.093 258.667 261.284 256.642 372.080 c. Retained Earnings (Profit/Loss)

1)

d. L/R Tahun berjalan sesudah pajak 2) 92.830 79.149 89.039 98.543 106.707 9.143 17.338 28.420 37.093 47.780 58.435 65.958 75.068 85.374 94.147 103.552 112.213 10.242 d. Current Earnings (Profit /Loss)

2)

e. Tambahan modal disetor 89.426 85.278 88.399 87.646 92.638 93.354 96.216 96.373 96.106 95.494 94.441 94.039 94.670 93.741 94.558 94.884 97.889 101.981 e. Additional Paid In Capital

f. Modal Pinjaman 31.242 31.632 32.099 32.339 33.551 33.208 32.911 32.958 33.060 33.156 34.240 34.098 34.024 35.749 35.601 35.646 34.432 35.046 f. Loan Capital

1)

. Pada LBU 2008 tdk didefinisikan Vs Metadata1)

LBU 2008 is not defined vs metada

2)

. Selisih positif dr Seluruh Pendapatan Op. dan Non Op. Dikurangi Beban Op. dan Non Op. Vs Metadata Lama2)

Positive difference of op. income and non op. minus op. expenses and non op. vs old metada

*) Provisional figures

r) Revised figuresr) Angka-angka diperbaiki

Tabel 1.1.a. Kegiatan Usaha Bank Umum

(Commercial Bank Operations)Miliar Rp (Billion Rp)

Keterangan Items

Penyaluran Dana

Source of Funds

2013


20122014

Components of Capital

*) Angka-angka sementara

4


2015


a. Kredit Yang Diberikan 961.994 1.129.953 1.129.526 1.151.145 1.187.431 1.165.576 1.172.126 1.185.318 1.205.977 1.212.605 1.240.238 1.252.655 1.259.491 1.280.413 1.271.590 1.288.527 1.329.941 1.317.493 a. Credit

- Kepada Pihak Ketiga 959.128 1.125.090 1.125.057 1.145.988 1.181.726 1.159.580 1.166.047 1.178.302 1.199.339 1.206.035 1.234.235 1.245.669 1.254.133 1.275.444 1.267.022 1.284.068 1.325.087 1.312.532 - To Third Party

Rupiah 847.132 989.757 992.083 998.058 1.029.333 1.011.961 1.026.377 1.040.427 1.057.401 1.067.802 1.096.161 1.103.705 1.104.367 1.122.804 1.120.067 1.132.409 1.168.932 1.146.925 Rupiah



Rupiah 2.756 3.425 3.428 3.618 4.099 4.067 4.268 4.602 4.448 4.569 4.657 5.770 4.195 4.120 4.088 3.993 4.170 3.973 Rupiah

Valas 111 1.438 1.041 1.538 1.606 1.929 1.812 2.414 2.190 2.001 1.345 1.215 1.163 849 480 467 684 988 Foreign Exchange





- Lainnya 0 57 213 208 208 919 50 51 524 516 1.009 1.183 707 1.524 1.243 11*)

38,3716766 469,542171 - Others



- Fine Tune Operation (FTO) 101.252 25.209 24.527 16.544 31.881 27.293 36.094 17.395 19.394 24.065 29.746 29.746*) 22.978 33.021 41.089 38.076 45.825 55.712 - Fine Tune Operation (FTO)

- Fasbi 18.977 32.816 46.085 50.894 45.050 23.061 18.513 24.189 59.709 66.218 50.386 46.334 30.647 59.707 66.316 54.232 43.565 28.274 - Fasbi

- Lainnya 10.611 3.785 2.696 2.575 4.283 2.546 4.099 5.755 2.965 1.650 2.145 1.200 850 3.365 455 340 925 785 - Others



- Surat Perbendaharaan Negara (SB/PN) 124 2.095 1.553 2.606 1.966 3.990 1.759 3.276 3.942 3.013 2.553 2.135 2.673 2.861 3.825 4.681 4.430 5.166 - Treasury Bills

- Obligasi 148.758 154.894 155.595 160.026 155.670 164.251 161.849 166.838 164.786 158.390 164.340 160.074 162.377 166.914 170.174 174.469 173.829 180.410 - Bonds

- Lainnya 23.757 26.026 27.783 25.593 30.455 24.356 29.795 25.156 29.098 29.516 26.020 27.067 25.578 26.609 36.679 39.338 31.134 48.413 - Others





- Surat Berharga 150 173 168 178 172 180 165 162 165 151 145 135 140 139 141 144 141 125 - Securities

- Lainnya 1.520 1.974 1.968 2.077 1.903 1.967 1.918 1.940 1.890 1.831 1.902 1.928 1.849 1.895 1.966 1.953 1.940 2.065 - Others

g. Tagihan Spot dan Derivatif 342 733 379 560 395 393 680 555 314 282 616 455 310 280 324 196 246 308 g. Spot and Derivatives Claims

h. Tagihan Lainnya 49.032 43.145 43.197 43.751 53.065 43.178 52.408 55.900 44.048 44.755 51.347 43.122 87.580 79.112 82.887 105.551*)

110764,242 90866,0545 h. Other claims

Sumber Dana


Rupiah 1.053.025 1.056.712 1.068.869 1.074.276 1.154.063 1.101.202 1.115.796 1.140.133 1.175.046 1.157.088 1.201.832 1.212.987 1.240.820 1.277.525 1.269.603 1.287.803 1.352.573 1.296.721 Rupiah


Tabungan 467.656 483.285 480.931 488.388 533.277 508.527 507.520 502.270 507.056 498.353 507.311 514.972 510.734 523.221 520.379 527.598 572.294 533.076 Saving




Tabungan 15.366 19.555 21.497 22.706 22.042 22.171 22.322 22.303 22.580 22.464 23.565 27.438 26.830 27.454 25.900 28.257 29.565 27.937 Saving


b. Kewajiban kepada Bank Indonesia 1.437 1.781 1.547 1.591 1.556 1.776 1.828 1.771 1.788 1.871 1.709 1.898 1.923 1.867 1.913 1.854 2.143 2.167 b. Liabilities to BI




Rupiah 5.988 6.436 6.447 6.462 6.464 6.468 6.457 6.440 6.430 6.328 6.819 6.824 6.805 6.896 6.888 7.477 7.234 7.233 Rupiah


f. Kewajiban Spot dan Derivatif 771 2.283 1.633 1.960 3.003 2.459 2.034 1.982 1.914 2.091 2.096 1.897 1.838 2.098 1.504 1.414 1.569 1.977 f. Spot and Derivatives Liabilities




kembali/repo)







1)


2)



1)



2)




r) Revised figures

20142013

Source of Funds


2012

Penyaluran Dana

Tabel 1.2.a. Kegiatan Usaha Bank Persero

(State Owned Banks Operations)Miliar Rp (Billion Rp)


Items


r) Angka-angka diperbaiki

Keterangan

5


2015


a. Kredit Yang Diberikan 1.123.364 1.265.615 1.285.385 1.295.953 1.321.771 1.313.787 1.319.367 1.340.363 1.356.877 1.374.324 1.396.842 1.399.114 1.418.983 1.442.584 1.449.205 1.463.711 1.492.358 1.472.602 a. Credit

- Kepada Pihak Ketiga 1.114.279 1.255.994 1.275.573 1.285.761 1.311.522 1.303.765 1.309.430 1.330.329 1.346.741 1.363.998 1.386.170 1.388.486 1.408.786 1.432.433 1.438.972 1.453.468 1.481.808 1.462.214 - To Third Party

Rupiah 982.260 1.097.740 1.119.774 1.121.644 1.143.136 1.135.229 1.145.766 1.164.968 1.174.220 1.189.862 1.207.913 1.215.859 1.222.817 1.235.695 1.243.403 1.254.167 1.271.243 1.253.660 Rupiah



Rupiah 6.483 9.621 9.812 10.013 10.065 9.839 9.937 10.034 10.136 10.325 10.672 10.484 10.168 10.151 10.227 10.244 10.550 10.388 Rupiah

Valas 2.602 - r) - 179 184 183 - - - - - 144 29 - 6 - - - Foreign Exchange




- Deposito Berjangka 1.322 1.550 2.213 1.288 1.420 1.634 1.512 850 1.600 1.405 861 1.104 889 2.106 2.716 2.918 2.475 2.744 - Time Deposits

- Lainnya 972 1.482 1.110 1.213 1.706 1.477 1.960 2.982 3.028 2.075 2.144 2.124 2.607 2.558 2.989 3.325 3.708 4.086 - Others



- Fine Tune Operation (FTO) 61.799 18.464 19.312 16.700 18.839 23.041 25.651 18.824 16.657 29.246 25.543 26.810 29.847 34.085 30.650 27.945 23.846 30.803 - Fine Tune Operation (FTO)

- Fasbi 21.895 23.504 19.333 19.639 37.127 22.704 23.541 11.357 21.888 30.250 33.114 67.907 40.032 40.325 46.139 50.016 45.936 53.356 - Fasbi

- Lainnya 10.805 13.666 8.463 9.779 11.795 9.169 9.263 9.614 8.188 433 703 354 507 2.832 789 1.731 2.277 1.763 - Others




- Obligasi 90.998 106.916 108.120 112.952 107.381 114.198 112.345 110.823 114.815 111.767 119.542 119.122 125.153 127.847 120.269 120.986 113.519 118.686 - Bonds

- Lainnya 22.000 18.881 19.688 20.710 20.051 20.542 20.653 23.273 24.008 24.669 23.049 23.402 24.831 25.038 26.512 27.641 77.239 88.977 - Others





- Surat Berharga 1.936 2.133 2.092 2.176 2.105 2.110 2.032 2.008 1.947 1.942 2.062 2.013 2.032 2.081 2.088 2.101 2.124 2.161 - Securities

- Lainnya 208 828 1.125 1.414 1.429 1.324 1.610 1.400 1.400 *) 1.450 1.481 1.449 1.421 1.565 1.544 1.575 1.709 1.411 - Others



Sumber Dana


Rupiah 1.173.913 1.228.404 1.240.216 1.259.079 1.296.639 1.288.074 1.287.848 1.281.186 1.299.918 1.315.704 1.328.014 1.335.101 1.357.542 1.377.378 1.395.573 1.410.711 1.437.776 1.440.640 Rupiah


Tabungan 433.712 451.573 447.733 452.514 463.249 460.675 462.306 456.362 459.146 458.319 463.442 476.106 476.328 476.823 475.425 477.271 483.010 472.601 Saving




Tabungan 27.326 37.677 37.092 37.494 39.614 39.535 39.353 38.996 39.088 39.465 38.278 38.016 38.160 38.806 38.297 38.705 39.782 40.613 Saving


b. Kewajiban kepada Bank Indonesia 84 4 4 4 4 3 3 3 3 3 3 2 2 2 2 2 2 2 b. Liabilities to BI




Rupiah 2.820 3.556 3.501 3.748 4.196 4.151 4.106 3.765 3.590 4.061 3.063 3.157 2.949 3.069 3.365 3.614 3.831 3.662 Rupiah


f. Kewajiban Spot dan Derivatif 640 4.176 3.165 4.533 4.526 3.808 3.539 3.235 2.984 2.794 2.868 2.624 2.330 2.447 2.270 2.097 2.090 2.346 f. Spot and Derivatives Liabilities




kembali/repo)







1)


2)



1)



2)




r) Revised figures

2014


Source of Funds


2013Keterangan


Tabel 1.3.a. Kegiatan Usaha BUSN Devisa

(Foreign Exchange Commercial Banks Operations) Miliar Rp (Billion Rp)


Penyaluran Dana

Items2012

6


2015


a. Kredit Yang Diberikan 90.341 105.764 105.534 106.850 109.303 108.173 109.405 111.698 114.062 116.613 119.724 121.129 120.837 122.863 122.578 124.197 126.945 125.972 a. Credit

- Kepada Pihak Ketiga 89.451 104.646 104.423 105.760 108.228 107.131 108.394 110.697 113.081 115.619 118.732 120.127 119.860 121.904 121.638 123.216 126.001 125.046 - To Third Party

Rupiah 89.451 104.646 104.423 105.760 108.228 107.131 108.394 110.697 113.081 115.619 118.732 120.127 119.860 121.904 121.638 123.216 126.001 125.046 Rupiah

Valas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Foreign Exchange

- Kepada Bank Lain 890 1.119 1.111 1.091 1.074 1.042 1.010 1.001 981 994 992 1.001 977 959 940 981 944 927 - Inter Bank Credit

Rupiah 890 1.119 1.111 1.091 1.074 1.042 1.010 1.001 981 994 992 1.001 977 959 940 981 944 927 Rupiah



- Giro 190 165 85 97 111 98 160 195 132 583 547 904 492 507 486 517 599 621 - Demand Deposit

- Inter Bank Call Money 1.020 562 402 420 1.786 1.281 982 1.571 1.256 1.356 2.126 1.773 1.545 2.073 1.332 1.914 4.048 2.454 - Inter Bank Call Money

- Deposito Berjangka 957 508 559 765 742 810 1.019 1.223 1.398 1.253 1.585 1.468 1.645 1.655 1.244 1.317 1.475 1.310 - Time Deposits

- Lainnya 352 326 365 352 437 528 504 578 614 317 244 97 122 116 311 287 410 531 - Others



- Fine Tune Operation (FTO) 10.479 212 157 167 146 504 116 468 128 1.417 1.213 1.467 1.043 1.043 1.199 1.182 1.845 1.568 - Fine Tune Operation (FTO)

- Fasbi 3.203 9.786 7.481 5.780 8.060 7.189 9.574 6.900 5.482 8.309 6.479 12.516 8.033 9.729 11.114 12.066 13.380 10.574 - Fasbi

- Lainnya 2.983 2.149 2.176 2.573 3.193 2.848 2.329 3.569 2.420 17 14 13 15 12 15 29 34 24 - Others



- Surat Perbendaharaan Negara (SB/PN) 0 33 34 34 34 34 34 34 35 35 35 - - - - - - - - Treasury Bills

- Obligasi 5.047 4.840 4.590 4.373 4.350 4.166 4.712 4.819 4.982 5.031 5.266 5.454 5.596 5.719 5.550 5.671 5.502 5.513 - Bonds

- Lainnya 1.521 1.545 1.546 1.632 1.800 2.059 1.712 1.711 1.708 1.702 1.784 1.683 1.671 1.692 1.843 2.229 3.978 4.493 - Others

e. Penyertaan 155 163 163 159 158 159 759 758 758 757 757 731 738 742 749 749 750 750 e. Equity Investment





- Lainnya 53 17 17 8 4 17 11 27 25 22 22 24 23 22 24 25 24 25 - Others


h. Tagihan Lainnya 1.930 4.202 4.007 5.672 8.782 6.605 3.666 4.758 4.946 4.337 6.212 583 5.207 4.115 4.150 3.140 2.990 3.830 h. Other claims

Sumber Dana -

a. Dana Pihak Ketiga 104.346 113.761 112.814 113.845 122.883 120.228 118.435 120.869 120.995 125.040 128.288 130.155 129.199 131.799 134.269 137.026 141.027 138.289 a. Third Party Funds

Rupiah 104.346 113.761 112.814 113.845 122.883 120.228 118.435 120.869 120.995 124.946 128.193 130.062 129.104 131.799 134.269 137.026 141.027 138.289 Rupiah


Tabungan 12.794 14.255 14.585 14.407 14.402 14.366 14.304 14.369 14.883 14.568 15.181 15.609 15.584 15.861 16.325 16.421 16.422 16.242 Saving



Giro 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Demand Deposit

Tabungan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Saving

Simpanan Berjangka 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Time Deposits





Rupiah 1.051 1.932 1.927 1.917 1.875 1.790 1.786 1.956 1.883 1.829 1.873 1.791 1.787 1.784 3.591 4.196 4.193 4.111 Rupiah

Valas - - - - - - - - - - - - - - - - - - Foreign Exchange

f. Kewajiban Spot dan Derivatif - - - - - - - - - - - - - - - - - - f. Spot and Derivatives Liabilities




kembali/repo)

- - 102 102 102 102 102 102 92 21 1 102 102 1 - - - - g. Other Liabilities

h. Setoran Jaminan 8 7 6 6 7 6 6 6 7 12 13 7 8 11 8 9 9 8 h. Margin Deposits



b. Cadangan 257 300 300 300 300 305 305 307 367 459 465 562 562 562 562 564 565 573 b. Reserves


1)

d. L/R Tahun berjalan sesudah pajak 2) 2.790 2.488 2.727 2.968 3.084 148 374 653 835 1.067 1.271 1.398 1.604 1.798 1.993 2.137 2.316 180 d. Current Earnings (Profit /Loss)

2)


f. Modal Pinjaman 14 608 608 608 608 608 608 609 608 659 608 609 609 609 609 609 609 609 f. Loan Capital

1)



2)

. Selisih positif dr Seluruh Pendapatan Op. dan Non Op. Dikurangi Beban Op. dan Non Op. Vs Metadata Lama 2) Positive difference of op. income and non op. minus op. expenses and non op. vs old metada

r) Revised figures

20142013

Tabel 1.4.a. Kegiatan Usaha BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Operations) Miliar Rp (Billion Rp)

r)

Angka-angka diperbaiki

2012Keterangan

Source of Funds



Penyaluran Dana

Items

7


2015




Rupiah 217.563 256.246 260.098 263.077 263.597 259.395 262.788 267.839 272.355 278.011 282.572 285.626 288.188 293.691 297.354 300.814 300.647 296.354 Rupiah

Valas 1.287 929 887 937 944 928 874 852 857 889 876 833 829 821 791 800 809 816 Foreign Exchange

- Kepada Bank Lain 357 656 664 671 709 698 665 727 734 791 883 901 914 878 913 939 970 949 - Inter Bank Credit

Rupiah 357 656 664 671 709 698 665 727 734 791 883 901 914 878 913 939 970 949 Rupiah






- Lainnya 349 1.750 r) 998 1.036 545 488 538 936 701 506 812 527 667 478 431 591 586 734 - Others



- Fine Tune Operation (FTO) 9.368 100 200 200 200 322 200 336 491 390 310 302 490 305 498 967 382 917 - Fine Tune Operation (FTO)

- Fasbi 10.033 20.693 12.072 16.338 2.546 10.159 12.760 11.590 14.778 18.033 20.026 4.491 11.027 30.520 22.925 25.099 6.801 14.697 - Fasbi

- Lainnya 1.413 1.189 763 1.035 909 1.021 877 565 1.125 3.517 2.684 173 561 421 617 620 623 575 - Others



- Surat Perbendaharaan Negara (SB/PN) 49,3443065 98 98 99 100 0 41 41 41 51 41 42 42 42 42 43 43 283 - Treasury Bills

- Obligasi 9.590 18.090 18.015 18.807 16.980 16.468 17.758 17.067 17.678 18.312 18.036 17.107 18.650 18.350 17.820 18.319 17.605 16.903 - Bonds

- Lainnya 2.383 3.654 3.882 3.363 2.901 3.132 2.236 2.115 2.252 2.703 2.684 2.352 2.730 3.146 3.181 2.953 4.161 4.796 - Others






- Lainnya (22) 8 19 24 15 18 17 (2) (4) 35 29 26 27 32 30 271 268 267 - Others



Sumber Dana


Rupiah 277.555 348.324 335.514 337.063 286.021 299.412 307.955 318.740 344.716 360.110 379.981 327.932 350.837 399.311 396.697 392.315 334.704 354.079 Rupiah


Tabungan 79.938 71.536 76.567 78.998 95.786 86.021 80.793 77.279 79.400 77.185 75.526 86.495 82.327 81.002 84.224 85.790 100.903 87.629 Saving


Valas 980 1.193 1.286 1.415 1.688 1.552 1.525 1.812 1.238 1.640 1.331 1.586 1.302 1.462 1.053 1.562 1.253 1.351 Foreign Exchange

Giro 238 549 545 534 673 524 419 464 559 325 324 287 448 217 238 388 368 371 Demand Deposit

Tabungan 30 44 42 40 41 41 42 51 53 41 47 41 42 46 38 37 46 36 Saving

Simpanan Berjangka 711 600 700 841 974 987 1.064 1.297 627 1.274 960 1.258 811 1.199 778 1.137 839 944 Time Deposits





Rupiah 1.819 1.898 1.888 1.829 1.846 1.849 1.846 2.093 2.094 2.083 2.236 2.334 2.334 2.380 2.626 2.726 3.150 2.492 Rupiah

Valas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 61,9252065 0 Foreign Exchange

f. Kewajiban Spot dan Derivatif 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 2 0 5 f. Spot and Derivatives Liabilities




kembali/repo)

2.101 750 715 1.737 5.051 4.027 2.884 4.331 3.124 2.386 2.378 2.620 1.413 925 898 749 3.405 2.648 g. Other Liabilities





c. L/R Tahun lalu 1) 344 582 572 477 377 12.149 11.886 7.840 5.061 3.349 2.100 1.286 904 904 799 799 706 11.595 c. Retained Earnings (Profit/Loss)

1)

d. L/R Tahun berjalan sesudah pajak 2) 8.946 8.353 9.063 9.981 10.733 917 1.587 3.003 3.334 4.125 5.458 5.287 6.248 7.823 8.826 9.431 9.720 1.096 d. Current Earnings (Profit /Loss)

2)



1)



2)



r) Revised figures

2014


2012

r)


Tabel 1.5.a. Kegiatan Usaha BPD

(Regional Development Banks Operations)Miliar Rp (Billion Rp)

2013Keterangan Items


Source of Funds

Penyaluran Dana

8


2015




Rupiah 77.872 88.968 90.397 91.521 95.948 95.959 96.475 96.496 99.289 101.124 104.870 109.521 96.447 96.654 97.773 101.468 103.039 101.349 Rupiah


- Kepada Bank Lain 4 76 74 68 152 142 135 139 123 117 113 115 100 104 86 388 400 391 - Inter Bank Credit

Rupiah 4 76 74 68 152 142 135 139 123 117 113 115 100 104 86 388 400 391 Rupiah





- Deposito Berjangka 310 486 354 323 379 380 313 50 435 439 608 594 600 1.123 1.064 1.075 1.091 1.116 - Time Deposits

- Lainnya 6 207r)

4r) 39 279 15 81 210 259 - - - - - 300 73 121 122 - Others



- Fine Tune Operation (FTO) 4.334 146 97 594 968 2.202 1.329 463 463 *).

302 120 855 2.078 574 1.742 2.587 2.137 3.359 - Fine Tune Operation (FTO)

- Fasbi 5.554 6.962 5.088 5.341 7.539 6.874 8.625 8.181 5.466 5.022 6.141 5.833 3.683 6.363 6.420 5.911 5.371 6.288 - Fasbi

- Lainnya 786 1.835 1.091 852 573 1.671 1.600 1.796 253 r).

0 415 266 936 426 1.160 61 111 - - Others



- Surat Perbendaharaan Negara (SB/PN) 278 431 567 518 462 382 407 881 2.191r)

1.688 2.269 2.490 2.187 2.184 1.798 1.966 1.998 916 - Treasury Bills

- Obligasi 7.648 6.120 5.815 8.418 6.812 7.512 8.349 7.932 8.233 8.667 7.594 9.041 8.429 8.320 8.808 11.084 13.190 11.757 - Bonds

- Lainnya 3.713 3.646 3.864 4.721 3.834 3.678 3.279 2.947 2.610 2.482 2.678 2.828 2.169 2.373 2.813 2.950 2.888 5.119 - Others






- Lainnya 146 193 183 214 239 220 205 218 201 195 195 201 208 51 56 55 52 63 - Others



Sumber Dana


Rupiah 68.704 79.801 73.665 75.920 80.847 79.812 81.745 78.745 78.459 77.981 80.471 76.058 62.983 66.349 71.556 76.633 78.962 79.096 Rupiah


Tabungan 8.529 13.249 9.826 10.667 10.268 10.626 12.806 10.292 8.644 8.837 9.420 9.905 7.626 7.841 7.137 7.878 7.548 7.762 Saving




Tabungan 10.763 13.031 12.555 12.454 12.978 12.825 12.474 13.135 13.024 13.441 12.585 12.537 12.882 12.526 12.487 13.207 13.377 14.358 Saving


b. Kewajiban kepada Bank Indonesia 336 0 0 0 0 0 0 282 417 610 386 - - - 1.228 1.229 - 702 b. Liabilities to BI


d. Surat Berharga yang diterbitkan 946 949 949 798 498 498 498 498 498 997 997 998 499 499 499 449 546 449 d. Issued Securities


Rupiah 552 1.342 1.338 1.645 1.645 1.641 1.484 1.392 1.790 1.886 2.044 1.550 1.341 1.746 1.750 1.742 1.942 1.947 Rupiah






kembali/repo)







1)

d. L/R Tahun berjalan sesudah pajak 2) 3.448 3.408 3.931 4.275 4.538 538 935 1.246 1.514 1.807 2.134 2.465 2.632 3.091 3.569 3.997 4.219 226 d. Current Earnings (Profit /Loss)

2)

e. Tambahan modal disetor 333 2.606 2.249 2.211 2.231 2.572 2.615 1.117 344 335 339 339 363 334 352 374 1.564 1.601 e. Additional Paid In Capital


1)



2)




r) Revised figures

2014

Tabel 1.6.a. Kegiatan Usaha Bank Campuran

(Joint Venture Banks Operations)Miliar Rp (Billion Rp)

r)


Penyaluran Dana


Source of Funds

2012



Items2013

Keterangan

9


2015




Rupiah 66.742 78.351 78.580 78.470 80.257 82.509 84.357 83.452 82.664 85.195 87.286 92.064 90.294 90.342 89.433 88.516 88.101 86.806 Rupiah



Rupiah 107 690 687 683 581 529 136 162 357 429 572 570 567 1.116 1.714 1.963 2.067 2.163 Rupiah





- Deposito Berjangka 0 0 0 0 0 0 0 0 185 0 0 0 0 0 0 0 0 0 - Time Deposits

- Lainnya 82 3 1 1 1 1 1 0 1 1 1 1 1 0 3 3 0 0 - Others



- Fine Tune Operation (FTO) 11.603 1.158 1.409 0 0 1.526 0 0 606 1.751 1.186 1.158 3.217 3.046 3.928 3.356 5.883 8.741 - Fine Tune Operation (FTO)

- Fasbi 5.769 8.784 7.393 7.371 10.583 7.228 7.913 6.061 7.308 11.579 8.587 8.743 12.421 9.854 16.518 14.331 7.967 15.689 - Fasbi

- Lainnya 580 0 r) 31 678 199 864 45 0 138 137 0 41 34 0 0 8 523 504 - Others




- Obligasi 20.918 31.077 31.796 34.689 32.748 35.380 33.907 38.940 40.628 40.781 42.749 45.110 41.064 48.002 41.561 40.033 46.205 42.229 - Bonds

- Lainnya 10.535 6.808 7.004 8.033 8.062 8.817 9.113 8.842 9.426 9.667 9.509 8.881 8.590 8.908 8.520 7.983 14.915 15.088 - Others






- Lainnya 532 520 505 525 505 510 1.089 1.084 1.082 1.087 1.088 1.078 902 952 952 964 932 943 - Others



Sumber Dana


Rupiah 79.987 83.412 84.282 84.119 84.697 85.201 84.094 85.121 78.432 85.860 84.703 80.634 82.874 83.050 85.582 88.282 89.537 92.713 Rupiah


Tabungan 7.858 8.044 6.902 6.866 6.713 6.754 7.969 6.970 7.142 7.487 7.012 7.817 7.433 7.509 6.896 7.507 7.382 8.607 Saving




Tabungan 12.857 13.765 13.481 13.930 14.336 14.343 13.887 13.914 14.399 15.168 14.651 14.806 14.842 14.519 13.950 14.275 14.129 14.651 Saving


b. Kewajiban kepada Bank Indonesia 3 298 0 0 0 0 0 195 0 0 77 - 108 572 41 - 0 0 b. Liabilities to BI


d. Surat Berharga yang diterbitkan 0 0 0 0 0 0 0 0 0 0 0 0 - - - - - - d. Issued Securities

e. Pinjaman yang Diterima 0 0 0 0 0 0 0 568 578 584 1.186 1.158 1.170 1.219 1.209 1.220 1.239 1.267 e. Loans received

Rupiah 0 0 0 0 0 0 0 0 0 0 0 0 - - - - - - Rupiah

Valas 0 0 0 0 0 0 0 568 578 584 1.186 1.158 1.170 1.219 1.209 1.220 1.239 1.267 Foreign Exchange





kembali/repo)





b. Cadangan 0 0 0 0 0 0 0 0 0 0 0 0 - - - - - - b. Reserves


1)

d. L/R Tahun berjalan sesudah pajak 2) 5.137 4.696 5.603 6.505 6.121 720 1.502 2.524 3.289 3.794 4.623 5.456 6.052 6.572 7.478 7.898 8.724 1.331 d. Current Earnings (Profit /Loss)

2)

e. Tambahan modal disetor 56 (382) (90) (405) (300) (176) (55) 8 (83) (45) (134) (101) (91) (251) (77) (26) (81) 63 e. Additional Paid In Capital

f. Modal Pinjaman 0 0 0 0 0 0 0 0 0 0 0 0 - - - - - - f. Loan Capital

1)



2)



r) Revised figures

Source of Funds


Tabel 1.7.a. Kegiatan Usaha Bank Asing

(Foreign Owned Banks Operations) Miliar Rp (Billion Rp)

Keterangan Items

Penyaluran Dana

r)



20132012

2014

10


2015

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des JanA. A. Interest Income and Interest Expenses

1. 391.280 328.937 371.648 414.101 458.188 45.712 87.566 132.808 178.033 222.447 268.963 316.295 365.406 414.054 466.451 516.149 568.014 55.957 1.

a. Dari Bank Indonesia 9.979 6.375 6.913 7.415 8.056 649 1.165 1.671 2.199 2.726 3.268 3.982 4.709 5.450 6.247 7.022 7.816 733 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 4.373 3.806 4.400 4.942 5.535 476 898 1.418 1.963 2.567 3.131 3.771 4.334 4.888 5.539 6.220 6.846 595 b. From interbank placement

c. Dari surat berharga 24.027 18.465 20.878 23.417 26.305 2.549 5.293 8.310 11.213 14.418 17.322 20.069 23.333 26.429 29.855 33.709 37.215 3.891 c. From securities

d. Dari Kredit yang diberikan 279.847 238.517 269.162 299.677 331.606 33.487 63.374 96.243 128.159 159.874 193.299 226.781 261.431 296.318 332.833 367.371 403.926 39.168 d. From credit

- kepada pihak ketiga bukan bank 278.874 237.597 268.134 298.529 330.353 33.350 63.105 95.838 127.636 159.020 192.459 225.787 260.286 295.006 331.379 365.767 402.163 38.989 - To Third Party non Bank

- kepada bank lain 973 920 1.028 1.149 1.253 136 269 405 523 854 839 994 1.145 1.312 1.454 1.604 1.763 179 - To other Bank

e. Lainnya 73.054 61.773 70.296 78.650 86.686 8.552 16.836 25.167 34.499 42.862 51.943 61.692 71.598 80.970 91.977 101.827 112.211 11.571 e Others

2. 183.713 152.870 173.435 193.937 215.134 24.308 44.824 67.196 90.790 112.264 136.056 161.332 187.633 213.851 240.484 266.262 293.842 31.017 2.

a. Kepada Bank Indonesia 611 453 506 559 620 54 103 155 206 256 302 345 386 429 472 513 562 38 a. Bank Indonesia Liabilites

b. Kewajiban pada Bank lain 2.644 2.750 3.134 3.490 3.843 406 752 1.203 1.608 1.943 2.244 2.698 2.989 3.408 3.817 4.184 4.613 426 b. Interbank Liabilities

c. Kepada pihak ketiga bukan Bank 100.507 81.795 93.134 104.210 116.392 12.430 23.974 37.026 50.164 64.007 79.561 94.391 109.945 125.405 141.500 156.969 172.936 16.363 c. Third Party non Bank


- Tabungan 18.492 14.151 15.829 17.457 19.231 1.730 3.326 5.042 6.759 8.501 11.662 13.705 15.850 17.962 20.109 22.138 24.317 2.106 - Saving

- Simpanan Berjangka 70.601 58.637 67.224 75.661 84.903 9.608 18.653 28.947 39.293 50.235 61.484 73.123 85.370 97.589 110.257 122.486 135.003 13.094 - Time deposits

d. Surat Berharga 5.155 4.328 4.838 5.358 5.882 580 1.055 1.617 2.146 2.893 3.507 4.148 4.764 5.253 5.807 6.351 6.993 621 d. Securities

e. Pinjaman yang diterima 2.452 1.833 2.022 2.231 2.488 310 476 737 1.014 1.335 1.756 1.977 2.222 2.488 2.774 3.083 3.502 533 e. Loans received

f. Lainnya 71.516 60.816 68.936 77.258 85.131 8.596 16.652 24.841 34.178 40.450 47.463 56.600 66.174 75.739 85.077 94.149 104.298 10.776 f. Others

g. Koreksi atas pendapatan bunga 828 895 865 831 779 1.932 1.813 1.617 1.474 1.381 1.223 1.173 1.152 1.128 1.038 1.012 939 2.259 g. Corrections

B. 207.568 176.066 198.213 220.164 243.054 21.404 42.741 65.612 87.244 110.183 132.907 154.962 177.773 200.203 225.967 249.887 274.171 24.940 B. Net Interest Income (A1-A2)

-

C

.

C. Other Operating Income and Expenses

1. 125.557 110.250 111.344 149.086 139.655 29.025 35.645 50.249 59.937 71.579 80.225 93.531 102.619 114.689 122.965 136.373 148.439 26.696 1.

a. Peningkatan Nilai Wajar dan keuntungan 9.929 2.995 3.684 3.958 4.206 615 2.072 2.558 2.706 2.986 3.238 3.589 4.008 4.945 4.900 5.781 6.306 1.563 a. Increase in fair value and gain

penjualan surat berharga form sale of securities

b. Peningkatan Nilai Wajar dan keuntungan 17 3 2 120 127 2 2 1 10 4 9 15 14 200 193 238 239 1 b. Increase in fair value and gain

penjualan kredit yang diberikan form sale of credit

c. Peningkatan Nilai Wajar dan keuntungan 12 21 25 29 29 3 7 - - 1 0 - 39 37 37 35 55 0 c. Increase in fair value and gain

penjualan aset keuangan lainnya form sale of other financial assets

d. Keuntungan Transaksi Spot dan Derivatif 32.261 49.968 44.528 76.094 58.608 16.584 16.022 23.267 26.018 27.989 30.944 36.928 38.078 42.077 44.515 48.271 50.757 10.541 d. Gain from spot and derivative transaction

e. Deviden, keuntungan penyertaan equity 38.537 32.132 36.170 39.745 44.908 3.540 7.070 10.913 15.084 22.327 26.667 31.469 35.585 40.061 44.542 48.830 54.203 4.256 e. Deviden, gain from investment in shares

method, komisi/provisi/fee with equity method,

fees/comissions/provisions

f. Lainnya 44.800 25.133 26.935 29.140 31.777 8.282 10.472 13.510 16.119 18.272 19.367 21.529 24.895 27.368 28.779 33.219 36.879 10.334 f Others

2. 218.409 190.423 201.246 249.085 251.154 39.117 56.792 80.384 101.239 120.974 138.921 165.387 185.834 208.002 229.523 254.163 278.849 38.744 2.

a. Penurunan Nilai Wajar dan kerugian 5.710 2.739 2.376 3.109 2.964 431 428 591 1.495 1.498 1.661 1.633 1.909 2.643 2.022 2.469 2.577 414 a. Decrease in fair value and losses form

penjualan surat berharga sale of securities

b. Penurunan Nilai Wajar dan kerugian 123 - 0 0 0 3 1 4 7 7 13 15 18 - - 51 68 9 b. Decrease in fair value and losses


c. Penurunan Nilai Wajar dan kerugian 5 0 0 0 2 - 0 - - - - 0 - - - 0 1 3 c. Decrease in fair value and losses


d. Kerugian Transaksi Spot dan Derivatif 26.045 42.122 36.313 67.016 48.690 15.836 15.825 22.305 23.236 24.629 27.178 32.832 33.649 36.596 38.967 42.405 43.873 10.187 d. Losses from spot and derivative

transactione. Penyusutan/Amortisasi 52.385 38.225 42.327 45.541 51.583 10.960 15.511 19.461 24.618 29.972 31.856 38.191 43.225 48.476 53.641 59.244 64.153 13.884 e. Depreciation/Amortizations

f. Kerugian penyertaan equity method, 2.622 2.106 2.332 2.368 2.611 291 561 810 1.002 1.315 1.585 1.920 2.198 2.519 2.894 3.231 3.509 255 f Losses from investment in shares with

komisi/provisi/fee, administrasi equity method, fees/comissions/

provisions

g. Lainnya 131.519 105.231 117.897 131.050 145.304 11.596 24.465 37.213 50.881 63.553 76.628 90.796 104.834 117.768 131.999 146.763 164.669 14.138 g. Others

D. 114.715 95.894 108.312 120.166 131.555 11.312 21.594 35.476 45.942 60.789 74.211 83.106 94.558 106.890 119.409 132.097 143.761 12.892 D. Operating Profit/loss (A1+C1) - (A2+C2)

E. 21.929 18.931 20.696 22.902 26,040r)

2.059 4.439 6.295 8.470 10.656 12.818 14.854 16.761 18.673 20.636 22.680 25.225 2.131 E. Non Operational Income

F. 17.133 15.143 16.476 18.366 20.432 1.805 3.865 5.689 7.363 11.468r)

13.556 14.917 16.569 18.009 20.878 23.202 25.394 2.167 F. Non Operational Expenses

G. 4.796 3.788 4.220 4.536 5,608r)

253 573 604 1.106 (813) (737) (62) 191 664 (242) (523) (169) (35) G. Non Operational Profit (E - F)

H. 119.512 99.682 112.532 124.702 137,162r)

11.565 22.168 36.082 47.049 59.977 73.474 83.044 94.749 107.554 119.167 131.575 143.591 12.856 H. Current Year profit

I. 56.698 83 99 112 64.661 13 24 42 59 73 85 146 159 172 128 131 66.264 46 I. Transfser Profit / Loss Received

J. 57.793 798 918 1.123 66,088r)

16 60 122 177 185 221 239 298 316 506 611 67.023 56 J. Transfer of Profit/Loss to Head Office

K. 92.830 79.149 89.039 98.543 106.707 9.143 17.338 28.423 37.093 47.780 58.430 65.958 75.068 85.374 94.147 103.489 112.160 10.242 K. Profit/Loss After Estimation of tax

r) Revised figures


Pendapatan dan Beban Operasional Lain

Pendapatan Operasional Selain Bunga Other Operating Income

Beban Operasional Selain Beban Bunga

Pendapatan Bunga Bersih (A1-A2)

Non Interest Expense

Laba/Rugi tahun berjalan sebelum pajak

Laba/Rugi Operasional (A1 + C1) - (A2 + C2)

Pendapatan non - operasional

Beban non - operasional

Laba/Rugi non-operasional (E - F)

Penerimaan Transfer Laba/Rugi

Tabel 1.8.a. Laporan Laba / Rugi Bank Umum

Commercial Banks Income StatementsMiliar Rp (Billion Rp)

Keterangan

Interest Expenses

Items20142013

Pendapatan bunga

Beban Bunga

Interest Income

Pendapatan dan Beban Bunga

2012


*). Angka-angka sementara

Transfer Laba/Rugi ke Kantor Pusat

Jumlah laba/rugi bersih (setelah taksiran pajak

penghasilan)

11


2015

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des JanA. A. Interest Income and Interest Expenses

1. 120.662 102.121 115.351 128.204 143.194 15.164 28.265 42.288 56.297 70.142 84.651 99.436 115.113 131.091 147.343 163.338 179.891 20.215 1.

a. Dari Bank Indonesia 2.937 1.487 1.626 1.752 1.933 154 276 391 510 650 782 971 1.168 1.409 1.622 1.829 2.027 155 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 1.323 1.101 1.271 1.394 1.557 129 240 381 493 631 770 969 1.135 1.270 1.440 1.606 1.771 169 b. From interbank placement

c. Dari surat berharga 9.694 7.579 8.480 9.410 10.602 861 2.027 3.297 4.452 5.544 6.596 7.437 8.833 10.035 11.450 13.298 14.572 1.630 c. From securities



- kepada bank lain 234 209 226 248 246 28 64 96 111 141 175 208 241 277 295 321 351 41 - To other Bank

e. Lainnya 5.784 5.110 5.841 6.529 7.756 538 1.236 1.672 2.637 3.092 3.774 4.830 5.689 6.652 7.390 8.223 9.334 1.448 e Others

2. 41.417 34.082 38.405 42.844 47.994 6.791 10.925 15.619 20.907 26.020 31.477 37.659 43.991 50.508 56.825 63.034 70.029 9.818 2.


b. Kewajiban pada Bank lain 439 544 646 705 748 72 141 252 301 406 476 565 612 733 851 957 1.058 123 b. Interbank Liabilities


- Giro 3.837 2.711 3.016 3.317 3.706 331 612 937 1.263 1.628 1.971 2.314 2.683 3.030 3.432 3.808 4.213 353 - Demand Deposit

- Tabungan 6.777 5.435 6.098 6.759 7.482 678 1.315 2.005 2.657 3.342 3.999 4.664 5.375 6.082 6.798 7.487 8.197 743 - Saving


d. Surat Berharga 1.220 907 1.029 1.145 1.253 165 233 355 482 617 776 935 1.064 1.175 1.287 1.385 1.556 163 d. Securities

e. Pinjaman yang diterima 1.265 946 1.027 1.126 1.242 189 248 363 524 648 898 963 1.051 1.175 1.296 1.432 1.630 350 e. Loans received

f. Lainnya 5.903 5.115 5.724 6.501 7.629 669 1.211 1.640 2.611 3.075 3.765 4.801 5.648 6.618 7.355 8.144 9.386 1.308 f. Others

g. Koreksi atas pendapatan bunga 808 895 865 830 778 1.932 1.813 1.617 1.471 1.377 1.222 1.172 1.151 1.126 1.036 1.010 937 2.257 g. Corrections


C

.


1. 50.412 30.048 32.107 34.694 39.298 10.536 11.352 14.622 18.408 21.609 23.735 27.934 30.712 35.237 36.537 40.393 44.719 9.952 1.

a. Peningkatan Nilai Wajar dan keuntungan 5.149 697 928 942 1.081 273 264 369 1.275 1.293 1.395 1.487 1.552 2.480 1.918 2.004 2.114 212 a. Increase in fair value and gain


b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - - - b. Increase in fair value and gain

penjualan kredit yang diberikan - - - - - - - - - - - - - - - form sale of credit

c. Peningkatan Nilai Wajar dan keuntungan - - - c. Increase in fair value and gain


d. Keuntungan Transaksi Spot dan Derivatif 3.734 4.805 5.143 5.175 6.235 2.505 1.426 1.972 2.286 2.672 3.172 3.859 3.947 4.944 4.894 5.176 5.639 745 d. Gain from spot and derivative transaction





2. 80.785 55.398 61.483 67.488 75.030 13.914 19.089 25.122 32.560 39.919 45.104 53.853 60.724 68.166 73.943 81.023 88.752 15.014 2.

a. Penurunan Nilai Wajar dan kerugian 3.766 518 564 802 767 60 187 209 1.052 1.020 1.063 1.103 1.111 1.731 1.213 1.373 1.405 26 a. Decrease in fair value and losses form


b. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - - b. Decrease in fair value and losses


c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - - c. Decrease in fair value and losses


d. Kerugian Transaksi Spot dan Derivatif 2.940 2.671 3.268 2.967 3.595 2.233 1.088 1.662 1.786 1.897 2.135 2.639 2.607 3.213 3.156 3.279 3.567 762 d. Losses from spot and derivative


f. Kerugian penyertaan equity method, 732 547 581 622 656 66 123 186 246 306 364 442 507 558 629 689 761 71 f Losses from investment in shares with


provisions



E. 3.183 1.342 1.881 1.981 2.789 93 177 277 833 958 1.161 2.064 2.434 2.750 2.890 3.067 3.463 227 E. Non Operational Income

F. 386 743 568 507 612 74 26 51 71 101 125 132 101 113 133 180 190 10 F. Non Operational Expenses

G. 2.798 599 1.313 1.474 2.177 18 151 225 761 857 1.036 1.932 2.333 2.637 2.756 2.886 3.274 217 G. Non Operational Profit (E - F)

H. 51.669 43.288 48.884 54.040 61.645 5.013 9.753 16.395 21.998 26.669 32.840 37.790 43.443 50.292 55.869 62.559 69.104 5.552 H. Current Year profit

I. 26.113 - - - 33.198 - - - - - - - - - - - 34.975 - I. Transfser Profit / Loss Received

J. 26.113 - - - 33.198 - - - - - - - - - - - 34.975 - J. Transfer of Profit/Loss to Head Office


2012


Keterangan

Pendapatan Operasional Selain Bunga



2013


Interest Expenses

Pendapatan bunga Interest Income

Other Operating Income

Tabel 1.9.a. Laporan Laba / Rugi Bank Persero

(State Owned Banks Income Statements)Miliar Rp (Billion Rp)

2014



penghasilan)


Items

Beban Bunga







12


2015


A. A. Interest Income and Interest Expenses

1. 165.319 137.237 155.538 173.443 191.624 19.298 37.554 57.237 76.771 95.490 115.441 136.047 158.283 178.396 201.040 222.283 244.251 22.876 1.

a. Dari Bank Indonesia 3.981 2.947 3.140 3.338 3.577 274 476 668 880 1.087 1.317 1.665 2.057 2.333 2.646 2.957 3.303 371 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 675 547 617 681 762 94 180 291 381 433 518 596 722 794 869 940 1.029 91 b. From interbank placement

c. Dari surat berharga 9.376 7.053 8.022 9.046 10.137 1.087 2.109 3.202 4.319 5.723 6.903 8.092 9.378 10.540 11.880 13.186 14.653 1.467 c. From securities



- kepada bank lain 599 589 664 744 828 86 163 248 331 606 531 629 724 815 908 1.002 1.098 98 - To other Bank


2. 87.021 72.494 82.637 92.779 102.882 11.477 22.405 33.870 45.657 55.658 67.395 79.693 93.505 106.325 119.409 132.162 145.373 14.132 2.


b. Kewajiban pada Bank lain 1.199 1.219 1.338 1.471 1.601 147 271 428 601 668 719 853 984 1.111 1.248 1.378 1.531 126 b. Interbank Liabilities


- Giro 3.911 3.282 3.679 4.052 4.458 408 775 1.168 1.568 1.992 2.407 2.822 3.269 3.670 4.126 4.561 5.034 447 - Demand Deposit

- Tabungan 9.309 6.953 7.769 8.539 9.375 841 1.607 2.428 3.270 4.123 6.429 7.591 8.886 10.084 11.304 12.449 13.645 1.139 - Saving


d. Surat Berharga 2.489 2.306 2.563 2.828 3.106 293 572 861 1.144 1.581 1.893 2.211 2.573 2.855 3.165 3.472 3.807 319 d. Securities

e. Pinjaman yang diterima 565 414 460 507 562 52 97 162 206 299 367 435 532 626 701 777 869 78 e. Loans received


g. Koreksi atas pendapatan bunga 0 - - 0 0 - - - - 2 - - 0 0 - - - - g. Corrections


-

C

.


1. 33.347 35.943 36.595 64.648 45.598 11.376 8.612 12.659 15.541 21.656 23.852 27.685 32.289 35.231 39.165 44.130 48.771 6.632 1.

a. Peningkatan Nilai Wajar dan keuntungan 1.834 945 1.060 1.141 1.194 60 202 307 510 644 711 813 883 932 1.131 1.363 1.588 513 a. Increase in fair value and gain


b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - - - b. Increase in fair value and gain


c. Peningkatan Nilai Wajar dan keuntungan 10 21 25 29 29 3 7 - - - - - - - - - - - c. Increase in fair value and gain







2. 71.838 70.093 74.568 106.766 93.115 15.748 17.220 25.794 33.217 40.203 46.233 55.259 64.680 72.735 82.382 91.883 102.351 11.389 2.

a. Penurunan Nilai Wajar dan kerugian 426 589 510 739 706 97 46 50 101 98 170 163 193 238 244 285 340 59 a. Decrease in fair value and losses form


b. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - - b. Decrease in fair value and losses


c. Penurunan Nilai Wajar dan kerugian 5 0 0 0 2 - 0 - - - - 0 - - - - - - c. Decrease in fair value and losses




f. Kerugian penyertaan equity method, 686 622 686 560 646 102 177 241 252 407 476 591 721 827 969 1.087 1.111 66 f Losses from investment in shares with


provisions



E. 15.751 13.963 15.221 17.065 18,912r)

1.688 3.315 4.865 6.555 8.307 9.951 10.777 12.181 13.645 15.185 16.752 18.660 1.556 E. Non Operational Income

F. 15.124 12.518 14.132 15.696 17.382 1.597 3.309 4.864 6.529 10.285 r)

12.221 13.286 14.766 15.814 18.607 20.590 22.602 1.779 F. Non Operational Expenses

G. 628 1.445 1.089 1.368 1,530r)

92 6 0 25 (1.982) (2.271) (2.509) (2.585) (2.169) (3.423) (3.839) (3.941) (224) G. Non Operational Profit (E - F)

H. 40.435 32.038 36.018 39.913 42,754r)

3.540 6.548 10.233 13.465 19.305 23.394 26.271 29.803 32.398 34.991 38.529 41.357 3.764 H. Current Year profit


J. 23.511 - - - 23,206r)

- - - - - - - - - - - 27.502 10 J. Transfer of Profit/Loss to Head Office


r) Revised figures


2012


Beban Operasional Selain Beban Bunga Non Interest Expense







Interest Income



Beban Bunga







penghasilan)

Tabel 1.10.a. Laporan Laba / Rugi BUSN Devisa

(Foreign Exchange Commercial Banks Income Statements)Miliar Rp (Billion Rp)

Interest Expenses

Keterangan

Pendapatan bunga

Items2013 2014

13


2015



1. 27.222 23.727 26.574 29.427 32.478 3.061 5.973 9.055 12.152 15.302 18.473 21.143 24.439 27.802 31.693 34.943 38.604 3.428 1.

a. Dari Bank Indonesia 536 528 580 636 692 69 127 191 250 298 346 395 456 517 589 675 747 74 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 96 81 89 99 113 16 30 48 69 80 95 104 123 143 163 181 206 29 b. From interbank placement

c. Dari surat berharga 564 423 483 541 601 61 121 185 250 348 426 498 573 646 724 808 893 86 c. From securities





2. 17.226 15.166 17.048 18.937 21.052 2.176 4.161 6.277 8.472 10.621 12.810 15.014 17.359 19.800 22.265 24.552 27.227 2.445 2.

a. Kepada Bank Indonesia 0 0 0 0 0 - - - - 1 1 1 1 1 1 1 1 0 a. Bank Indonesia Liabilites

b. Kewajiban pada Bank lain 163 173 202 237 274 36 65 98 132 126 153 185 215 249 279 298 321 21 b. Interbank Liabilities

c. Kepada pihak ketiga bukan Bank 6.043 5.280 5.971 6.704 7.509 896 1.667 2.539 3.378 4.302 5.201 6.070 7.033 7.985 9.038 9.996 10.994 1.012 c. Third Party non Bank


- Tabungan 389 316 353 387 421 34 65 99 131 166 200 235 272 306 342 377 415 38 - Saving

- Simpanan Berjangka 5.507 4.829 5.465 6.142 6.893 838 1.561 2.381 3.169 4.039 4.886 5.698 6.606 7.498 8.492 9.392 10.329 953 - Time deposits

d. Surat Berharga 444 404 454 504 553 46 93 139 186 272 322 377 430 459 502 544 586 43 d. Securities



g. Koreksi atas pendapatan bunga 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - g. Corrections

B. 9.995 8.561 9.526 10.490 11.426 886 1.812 2.778 3.680 4.681 5.663 6.129 7.080 8.003 9.428 10.391 11.377 983 B. Net Interest Income (A1-A2)

C

.


1. 1.184 942 1.062 1.234 1.397 121 234 409 550 727 908 1.057 1.254 1.441 1.598 1.794 2.081 195 1.

a. Peningkatan Nilai Wajar dan keuntungan 104 80 84 89 96 1 4 12 15 18 22 24 26 33 34 38 40 7 a. Increase in fair value and gain


b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - 3 4 0 b. Increase in fair value and gain

penjualan kredit yang diberikan - - - - - - form sale of credit

c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - c. Increase in fair value and gain


d. Keuntungan Transaksi Spot dan Derivatif 2 2 3 3 3 0 0 0 1 1 1 1 1 1 2 2 2 0 d. Gain from spot and derivative transaction

e. Deviden, keuntungan penyertaan equity 340 276 315 342 390 37 74 118 170 285 372 447 516 591 664 739 819 62 e. Deviden, gain from investment in shares



f. Lainnya 738 583 660 800 909 83 155 279 366 424 513 585 710 815 899 1.012 1.216 126 f Others

2. 7.751 6.424 7.207 8.028 8.840 799 1.538 2.326 3.113 3.971 4.862 5.284 6.156 7.020 8.291 9.239 10.303 941 2.



b. Penurunan Nilai Wajar dan kerugian - - 0 - - - - - - - - - - - - 3 3 1 b. Decrease in fair value and losses




d. Kerugian Transaksi Spot dan Derivatif 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 d. Losses from spot and derivative

transactione. Penyusutan/Amortisasi 1.503 1.177 1.314 1.482 1.591 172 289 464 610 766 980 1.128 1.318 1.519 1.725 1.966 2.203 252 e. Depreciation/Amortizations



provisions

g. Lainnya 6.230 5.226 5.866 6.513 7.210 622 1.242 1.853 2.490 3.189 3.861 4.106 4.791 5.452 6.521 7.220 8.042 683 g. Others

D. 3.428 3.078 3.381 3.697 3.983 208 508 860 1.117 1.437 1.710 1.902 2.177 2.424 2.735 2.946 3.156 237 D. Operating Profit/loss (A1+C1) - (A2+C2)

E. 139 122 137 148 255 10 23 40 49 121 163 181 217 179 208 231 119 7 E. Non Operational Income

F. 94 110 126 138 151 10 21 31 47 135 r)

169 245 286 226 269 288 173 9 F. Non Operational Expenses

G. 46 12 11 10 103 (0) 3 9 2 (13) (6) (64) (69) (48) (61) (57) (54) (2) G. Non Operational Profit (E - F)

H. 3.474 3.090 3.392 3.707 4.086 208 510 869 1.120 1.424 1.704 1.838 2.109 2.376 2.674 2.889 3.102 236 H. Current Year profit

I. 4.354 - - - 4.779 - - - - - - 50 50 50 - - 350 51 I. Transfser Profit / Loss Received

J. 4.354 - - - 4.779 - - - - - - - - - - - 350 51 J. Transfer of Profit/Loss to Head Office

K. 2.790 2.488 2.727 2.968 3.084 148 374 653 835 1.067 1.271 1.398 1.604 1.798 1.993 2.137 2.316 180 K. Profit/Loss After Estimation of tax

r) Revised figures

*). Angka-angka sementara*)

Provisional figures

2012

Tabel 1.11.a. Laporan Laba / Rugi BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Income Statements)Miliar Rp (Billion Rp)

Items

Beban Bunga Interest Expenses

2014





penghasilan)


Interest Income Pendapatan bunga

2013





Keterangan







14


2015



1. 47.630 40.429 45.449 50.384 55.515 4.726 9.272 14.425 19.624 24.814 30.217 35.838 41.663 47.401 53.430 59.057 65.019 5.664 1.

a. Dari Bank Indonesia 1.470 610 683 736 812 54 103 162 228 292 365 436 498 605 710 790 896 55 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 1.663 1.618 1.877 2.098 2.333 151 298 489 738 1.003 1.277 1.562 1.807 2.089 2.399 2.675 2.946 215 b. From interbank placement

c. Dari surat berharga 1.407 1.156 1.342 1.526 1.715 185 351 544 731 942 1.137 1.328 1.505 1.748 1.893 2.091 2.284 185 c. From securities





2. 24.774 19.953 22.592 25.125 27.624 2.371 4.655 7.359 10.252 13.109 16.097 19.173 22.558 25.683 29.082 32.230 35.426 3.111 2.




- Giro 2.757 2.240 2.509 2.732 2.977 235 393 612 848 1.111 1.385 1.657 1.899 2.163 2.463 2.736 2.995 235 - Demand Deposit

- Tabungan 1.621 1.188 1.325 1.461 1.620 155 290 429 564 703 836 978 1.124 1.270 1.418 1.553 1.712 160 - Saving

- Simpanan Berjangka 7.410 5.282 6.007 6.698 7.321 612 1.269 2.100 2.980 3.914 4.843 5.814 6.818 7.863 8.929 9.974 10.896 929 - Time deposits




g. Koreksi atas pendapatan bunga 20 0 0 1 1 0 0 0 3 1 1 1 1 2 2 2 2 0 g. Corrections


- -

C

.


1. 5.652 3.106 3.451 3.805 4.360 380 786 1.298 1.841 2.278 2.852 3.153 3.707 4.241 4.410 4.918 5.822 666 1.



b. Peningkatan Nilai Wajar dan keuntungan 17 3 2 2 3 2 2 1 10 4 9 15 14 8 3 3 3 1 b. Increase in fair value and gain


c. Peningkatan Nilai Wajar dan keuntungan 2 - - - - - - - - 1 0 - - - - - - - c. Increase in fair value and gain


d. Keuntungan Transaksi Spot dan Derivatif 90 95 107 124 130 8 23 38 54 70 96 116 126 144 160 174 204 20 d. Gain from spot and derivative transaction

e. Deviden, keuntungan penyertaan equity 1.000 723 811 904 1.034 72 148 244 335 457 554 630 715 802 889 971 1.089 87 e. Deviden, gain from investment in shares



f. Lainnya 4.180 2.218 2.423 2.665 3.077 294 593 989 1.409 1.708 2.153 2.345 2.799 3.226 3.285 3.682 4.412 522 f Others

2. 18.181 14.118 15.925 17.631 19.826 1.706 3.544 4.911 7.251 9.066 10.654 13.460 15.286 16.712 18.363 20.669 23.805 1.988 2.



b. Penurunan Nilai Wajar dan kerugian - - - 0 0 - - - - - - - - - - - - - b. Decrease in fair value and losses




d. Kerugian Transaksi Spot dan Derivatif 75 62 73 87 92 9 24 38 51 65 87 105 112 128 142 153 178 18 d. Losses from spot and derivative

transactione. Penyusutan/Amortisasi 3.592 3.205 3.675 4.063 4.180 649 1.328 1.387 2.316 2.890 3.103 4.140 4.675 4.793 4.889 5.694 6.375 816 e. Depreciation/Amortizations



provisions



E. 926 1.007 1.049 1.200 1.349 124 251 376 447 670 779 913 1.045 1.150 1.291 1.432 1.620 182 E. Non Operational Income

F. 791 786 844 962 1.089 93 233 336 388 637 731 886 1.024 1.115 1.246 1.417 1.506 173 F. Non Operational Expenses

G. 135 221 204 238 260 31 18 40 59 33 48 27 21 35 45 15 114 9 G. Non Operational Profit (E - F)



J. 3.059 - - - 3.544 3 - - - - - - - - - - 3.530 - J. Transfer of Profit/Loss to Head Office

K. 8.946 8.353 9.063 9.981 10.733 917 1.587 3.003 3.334 4.125 5.458 5.287 6.248 7.823 8.826 9.368 9.667 1.096 K. Profit/Loss After Estimation of tax

2012



2014





penghasilan)


Pendapatan bunga

Keterangan2013






Beban Bunga

Tabel 1.12.a. Laporan Laba / Rugi BPD

(Regional Development Banks Income Statements)Miliar Rp (Billion Rp)

Items

Interest Expenses

Interest Income




15


2015



1. 16.784 14.008 15.883 17.671 19.329 1.863 3.427 5.178 6.965 8.754 10.599 12.501 12.772 14.435 16.157 17.875 19.716 1.831 1.



c. Dari surat berharga 864 621 695 778 869 82 161 242 340 438 529 633 631 724 804 907 1.031 117 c. From securities




e. Lainnya 4.883 3.978 4.566 5.067 5.295 428 649 978 1.333 1.702 2.051 2.421 2.741 3.095 3.428 3.777 4.163 372 e Others

2. 9.400 7.808 8.885 9.857 10.639 978 1.715 2.613 3.583 4.544 5.520 6.528 6.495 7.344 8.211 9.102 10.070 982 2.

a. Kepada Bank Indonesia 0 0 0 0 0 - - 0 0 0 0 0 0 0 0 0 0 - a. Bank Indonesia Liabilites


c. Kepada pihak ketiga bukan Bank 3.973 3.332 3.759 4.204 4.697 486 952 1.461 2.013 2.542 3.066 3.617 3.239 3.694 4.173 4.657 5.170 535 c. Third Party non Bank


- Tabungan 258 185 205 222 238 15 34 59 106 127 151 183 130 149 168 185 254 18 - Saving

- Simpanan Berjangka 3.458 2.936 3.318 3.719 4.174 444 866 1.323 1.798 2.277 2.749 3.236 2.892 3.300 3.727 4.156 4.560 478 - Time deposits



f. Lainnya 4.876 3.976 4.558 5.011 5.222 422 631 938 1.276 1.614 1.963 2.314 2.618 2.928 3.242 3.566 3.931 361 f. Others

g. Koreksi atas pendapatan bunga - - - - - - - - - - - - - - - - - - g. Corrections

B. 7.384 6.200 6.998 7.814 8.690 885 1.712 2.565 3.382 4.210 5.079 5.974 6.278 7.091 7.946 8.774 9.646 849 B. Net Interest Income (A1-A2)

C

.


1. 7.934 9.017 9.089 10.632 12.362 1.554 3.248 5.568 5.543 6.231 7.583 8.461 8.493 9.362 9.988 10.039 11.001 1.457 1.



b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - - b. Increase in fair value and gain


c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - 39 r)

37 37 35 55 0 c. Increase in fair value and gain



e. Deviden, keuntungan penyertaan equity 2.112 1.740 2.001 2.186 2.393 194 379 580 829 1.022 1.256 1.450 1.579 1.804 2.042 2.275 2.500 204 e. Deviden, gain from investment in shares



f. Lainnya 575 362 594 800 383 158 125 171 219 233 266 281 243 438 452 458 492 55 f Others

2. 10.853 11.470 11.647 13.310 15.508 1.779 3.954 6.528 6.858 7.953 9.836 11.136 11.161 11.908 12.925 13.194 14.458 1.947 2.



b. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - b. Decrease in fair value and losses


c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - 0 1 3 c. Decrease in fair value and losses

penjualan aset keuangan lainnya - form sale of other financial assets


transactione. Penyusutan/Amortisasi 1.659 1.587 1.718 1.869 2.082 116 242 472 834 1.043 1.298 1.413 1.494 1.703 1.856 2.048 2.217 420 e. Depreciation/Amortizations



provisions

g. Lainnya 4.944 3.979 4.654 5.323 5.502 462 930 1.423 1.915 2.422 2.960 3.519 3.706 4.176 4.644 5.091 5.636 447 g. Others

D. 4.466 3.746 4.440 5.136 5.545 660 1.006 1.605 2.068 2.488 2.827 3.299 3.610 4.545 5.008 5.619 6.189 359 D. Operating Profit/loss (A1+C1) - (A2+C2)

E. 509 1.193 1.081 1.422 1.526 51 464 432 185 143 216 227 98 110 105 134 168 69 E. Non Operational Income

F. 340 470 377 970 1.082 13 249 378 252 227 217 252 244 547 419 507 678 137 F. Non Operational Expenses

G. 169 723 703 453 443 38 216 54 (67r)

) (84) (1) (25) (146)*)

(437) (314) (372) (510) (68) G. Non Operational Profit (E - F)

H. 4.635 4.469 5.143 5.588 5.988 698 1.221 1.659 2.001 2.403 2.826 3.274 3.464 4.108 4.694 5.247 5.679 290 H. Current Year profit

I. (80) 10 14 19 22 2 5 9 13 18 22 28 33 39 44 49 54 5 I. Transfser Profit / Loss Received

J. (80) 10 14 19 22 2 5 9 13 18 22 28 33 39 44 49 54 5 J. Transfer of Profit/Loss to Head Office

K. 3.448 3.408 3.931 4.275 4.538 538 935 1.246 1.514 1.807 2.134 2.465 2.632 3.091 3.569 3.997 4.219 226 K. Profit/Loss After Estimation of tax

r) Revised figures

2012

Interest Income




penghasilan)


2014







Beban Bunga Interest Expenses

2013

Pendapatan Operasional Selain Bunga Other Operating Income

Items




Pendapatan bunga

Keterangan

Tabel 1.13.a. Laporan Laba / Rugi Bank Campuran

(Joint Venture Banks Income Statements)Miliar Rp (Billion Rp)

16


2015



1. 13.664 11.415 12.852 14.973 16.047 1.600 3.075 4.624 6.224 7.945 9.582 11.329 13.135 14.928 16.788 18.653 20.532 1.943 1.



c. Dari surat berharga 2.122 1.633 1.856 2.115 2.381 272 525 840 1.121 1.422 1.731 2.081 2.412 2.736 3.104 3.419 3.782 404 c. From securities




e. Lainnya 349 692 714 826 882 74 125 166 234 284 336 399 454 520 578 622 688 90 e Others

2. 3.874 3.368 3.869 4.395 4.943 516 964 1.459 1.918 2.313 2.757 3.267 3.725 4.192 4.693 5.182 5.718 529 2.

a. Kepada Bank Indonesia 0 - - - 0 - - - - - - - - - - 0 0 - a. Bank Indonesia Liabilites


c. Kepada pihak ketiga bukan Bank 2.553 2.135 2.435 2.763 3.112 347 681 1.034 1.365 1.693 2.009 2.297 2.670 2.994 3.344 3.696 4.073 375 c. Third Party non Bank


- Tabungan 139 73 80 88 95 7 15 23 31 39 47 55 63 71 78 86 94 9 - Saving

- Simpanan Berjangka 1.908 1.633 1.866 2.121 2.380 274 545 829 1.088 1.349 1.593 1.807 2.105 2.358 2.634 2.912 3.212 299 - Time deposits



f. Lainnya 837 911 1.054 1.197 1.337 114 177 246 331 330 389 472 525 603 668 734 806 77 f. Others

g. Koreksi atas pendapatan bunga - - - - - - - - - - - - - - - - - - g. Corrections


C

.


1. 27.028 31.194 29.040 34.074 36.640 5.057 11.415 14.739 18.053 19.077 21.295 25.241 26.164 29.176 31.267 35.100 36.044 7.794 1.

a. Peningkatan Nilai Wajar dan keuntungan 2.206 1.126 1.382 1.565 1.612 247 1.483 608 709 800 877 992 1.144 1.197 1.460 1.945 2.106 705 a. Increase in fair value and gain


b. Peningkatan Nilai Wajar dan keuntungan - - - 119 124 - - - - - - - - 193 191 232 232 - b. Increase in fair value and gain


c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - - - c. Increase in fair value and gain



e. Deviden, keuntungan penyertaan equity 5.502 3.967 4.579 5.009 5.467 434 870 1.392 1.907 2.399 2.888 3.364 3.857 4.448 4.981 5.455 6.010 508 e. Deviden, gain from investment in shares



f. Lainnya 569 480 484 460 527 59 134 219 273 224 293 345 385 488 552 583 822 81 f Others

2. 29.002 32.919 30.416 35.862 38.835 5.170 11.447 14.749 18.240 19.862 22.233 26.395 27.827 31.461 33.619 38.155 39.181 7.465 2.

a. Penurunan Nilai Wajar dan kerugian 1.242 1.399 1.116 1.316 1.256 215 143 263 273 304 366 271 412 530 440 670 680 148 a. Decrease in fair value and losses form


b. Penurunan Nilai Wajar dan kerugian 123 - - - - 3 1 4 7 7 13 15 18 - - 48 65 8 b. Decrease in fair value and losses


c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - 0 0 - c. Decrease in fair value and losses



transactione. Penyusutan/Amortisasi 1.923 1.281 1.443 1.808 1.939 133 246 445 592 970 935 1.099 1.243 1.621 1.760 2.248 2.542 258 e. Depreciation/Amortizations

f. Kerugian penyertaan equity method, 790 588 678 755 832 73 153 217 293 373 460 535 609 690 785 896 1.012 75 f Losses from investment in shares with


provisions

g. Lainnya 8.708 6.671 7.416 8.288 9.254 776 1.552 2.384 3.177 3.960 4.753 5.557 6.413 7.427 8.295 9.157 10.143 843 g. Others

D. 7.816 6.323 7.607 8.790 8.909 971 2.078 3.156 4.120 4.848 5.887 6.908 7.747 8.451 9.744 10.416 11.677 1.743 D. Operating Profit/loss (A1+C1) - (A2+C2)

E. 1.419 1.305 1.328 1.085 1.210 92 209 306 402 457 548 693 786 840 957 1.065 1.194 90 E. Non Operational Income

F. 398 517 428 92 116 18 28 29 76 81 92 116 148 193 202 220 245 58 F. Non Operational Expenses

G. 1.021 788 900 993 1.094 75 180 276 326 376 457 576 637 647 755 845 949 32 G. Non Operational Profit (E - F)


I. 39 73 85 93 100 10 19 33 45 55 63 69 76 83 83 82 78 (10) I. Transfser Profit / Loss Received

J. 835 789 904 1.105 1.338 10 55 113 164 167 199 211 265 277 461 561 612 (10) J. Transfer of Profit/Loss to Head Office

K. 5.137 4.696 5.603 6.505 6.121 720 1.502 2.593 3.289 3.794 4.623 5.456 6.052 6.572 7.478 7.898 8.724 1.331 K. Profit/Loss After Estimation of tax

2012




2013

Interest Income

Other Operating Income Pendapatan Operasional Selain Bunga


2014Keterangan



penghasilan)




Beban Bunga





Interest Expenses

Pendapatan bunga

Tabel 1.14.a. Laporan Laba / Rugi Bank Asing

(Foreign Owned Banks Income Statements)Miliar Rp (Billion Rp)

Items

17


2015


275.380 350.306 369.354 385.595 397.024 411.764 429.770 427.717 440.000 434.569 477.159 467.280 459.786 509.575 507.141 547.155 472.959 481.118

- Fasilitas pinjaman yang belum ditarik 16.205 27.757 27.773 28.264 32.430 28.896 24.561 25.632 24.330 26.429 28.361 23.716 23.175 24.816 23.331 22.978 24.710 24.227 - Unused borrowing

- Posisi pembelian spot dan derivatif yang 254.545 317.049 336.281 352.833 359.454 376.783 398.243 393.692 408.515 403.290 443.988 437.965 430.968 477.118 475.858 517.247 440.874 449.891 - Outstanding spot and derivatives

masih berjalan (purchased)

- Lainnya (Others) 4.630 5.500 5.301 4.498 5.140 6.085 6.967 8.393 7.155 4.850 4.809 5.600 5.644 7.641 7.952 6.930 7.376 7.001 - Others

1.154.122 1.399.392 1.417.605r) 1.620.664 1.314.773 1.554.793 1.326.988 1.500.734 1.476.856 1.511.309 1.378.086 1.399.162 1.410.050 1.436.913 1.392.754 1.352.596 1.415.416 1.447.018

- Fasilitas kredit kepada nasabah yang 817.271 967.540 979.666 1.156.005 1.013.477 1.060.198 1.028.842 1.001.917 977.945 1.015.154 1.053.002 1.062.143 1.073.451 1.085.998 1.123.292 1.079.742 1.137.501 1.175.234 - Undisbursed loan facilities

belum ditarik to debtors

Committed 265.664 292.558 296.831 312.401 301.472 312.994 283.400 278.647 285.057 304.360 275.319 306.983 288.524 268.907 273.186 278.608 297.369 301.896 - Committed

Uncommitted 551.608 674.983 682.835 843.604 712.005 747.204 745.441 723.270 692.888 710.795 777.683 755.159 784.927 817.091 850.107 801.134 840.132 873.337 - Uncommitted

- Fasilitas kredit kepada bank lain yang 5.911 12.091 9.554 8.195 8.384 8.884 8.189 7.603 8.860 8.834 8.910 10.020 10.627 10.309 9.302 10.647 7.868 8.905 - Undisbursed loan facilities

Belum ditarik to other banks



- Irrevocable L/C yang masih berjalan 73.439 83.841 79.450 90.536 95.196 87.787 82.822 82.595 81.498 74.701 75.653 74.616 71.798 75.073 75.606 75.435 74.274 74.132 - Current Irrevocable L/C

- Posisi penjualan spot dan derivatif yang 255.717 332.252 346.145 355.928 360.465 387.078 411.995 401.384 403.663 408.578 444.141 420.820 421.712 465.394 467.648 361.207 454.203 474.929 - Outstanding spot and

masih berjalan derivatives (sold)

- Lainnya 1.785 3.668 2.789r)

9.999 10.515 10.846 5.780 7.234 4.889 4.040 5.658 5.230 8.366 6.965 5.781 4.713 4.877 9.691 - Others

199.692 237.291 228.744 252.121 260.029 265.567 257.887 255.117 268.840 271.785 281.903 281.471 274.167 283.850 277.015 279.983 284.281 303.048

- Garansi yang diterima 173.136 207.287 198.782 221.202 229.328 234.503 223.933 224.201 237.183 233.903 242.694 242.135 235.669 244.667 235.992 239.673 244.456 261.522 - Received guarantees

- Pendapatan bunga dalam penyelesaian 25.849 29.019 28.960 29.864 29.696 30.023 32.992 29.887 30.635 34.710 35.800 35.944 34.986 35.659 37.518 36.758 36.327 37.929 - Accrued interest

- Lainnya 706 985 1.002 1.056 1.005 1.041 962 1.030 1.022 3.172 3.409 3.392 3.512 3.524 3.504 3.553 3.498 3.598 - Others

183.675 231.331 216.443 224.438 232.345 224.440 215.780 213.925 221.479 221.368 229.452 225.029 228.435 239.055 238.852 243.642 249.737 238.566

- Garansi yang diberikan 180.788 215.273 213.229 221.141 229.089 220.940 212.238 210.516 217.955 219.117 227.853 223.067 226.303 236.659 236.533 238.148 247.851 236.784 - Issued guarantees

- Lainnya 2.888 16.058 3.214 3.297 3.255 3.500 3.541 3.410 3.525 2.250 1.599 1.962 2.131 2.397 2.319 5.495 1.886 1.782 - Others

191.889 209.931 208.410 212.461 216.548 213.654 211.547 213.800 215.567 218.034 221.146 221.362 222.989 228.574 231.154 231.074 237.956 233.857

- Penerusan Kredit 24.576 26.975 26.195 26.205 27.375 27.509 26.145 25.719 25.430 26.519 26.681 25.698 25.062 25.094 24.828 24.499 23.301 23.528 - Channelling

- Aset produktif yang dihapusbukukan 159.833 172.409 173.453 177.314 180.184 176.711 175.766 178.367 180.291 181.627 184.412 185.106 180.835 186.281 188.748 189.050 195.932 190.678 - Written off earning assets

Kredit yang diberikan 144.316 155.630 156.321 159.780 162.254 158.729 157.959 160.625 162.442 167.087 169.766 170.483 172.462 177.616 180.236 180.521 187.325 182.039 - Credit disbursed

Lainnya 15.517 16.779 17.131 17.534 17.930 17.982 17.806 17.742 17.849 14.540 14.646 14.623 8.373 r) 8.665 8.513 8.529 8.607 8.639 - Others

- Aset produktif yang dihapustagih 7.480 10.547 8.762 8.942 8.988 9.434 9.636 9.714 9.846 9.888 10.053 10.558 17.093 17.199 17.577 17.525 18.723 19.652 - Charged off earning assets


Lainnya 567 2.214 637 634 605 593 607 610 622 621 614 607 6.829 r) 6.818 6.825 6.827 6.840 7.533 - Others

r) Revised figures

2012

Contingent LiabilitiesKewajiban Kontijensi


Tabel 1.15.a. Rekening Administratif Bank Umum

(Commercial Banks Off-Balance Sheet)


Indikator

Tagihan Komitmen

Tagihan Kontinjensi

Others

Commited LiabilitiesKewajiban Komitmen

2013

Lainnya

Indicator

Commited Claims

Contingent Claims

2014

18


2015


23.602 16.570 19.558 17.980 20.614 24.939 31.599 31.310 24.686 17.852 24.423 24.613 25.471 30.464 26.102 21.390 26.337 23.513

- Fasilitas pinjaman yang belum ditarik - - - - - - - - - - - - - - - 1.239 1.267 - Unused borrowing



- Lainnya (Others) - - - - - 388 469 510 213 146 222 314 290 317 204 644 630 319 - Others

240.565 258.257 261.049 285.099 280.015 298.407 295.970 279.851 271.137 273.084 300.670 385.605 397.001 387.346 404.806 404.034 419.249 421.174

- Fasilitas kredit kepada nasabah yang 193.478 202.706 206.946 212.356 206.070 229.016 223.620 210.984 210.722 223.936 216.306 219.132 230.204 212.590 233.882 234.731 236.079 244.082 - Undisbursed loan facilities




- Fasilitas kredit kepada bank lain yang 211 229 201 161 95 163 127 81 101 77 70 370 270 364 283 301 53 145 - Undisbursed loan facilities


Committed 72 92 116 107 63 136 109 59 79 53 42 349 249 254 267 288 39 131 - Committed

Uncommitted 140 137 84 54 32 27 19 21 22 24 28 21 20 111 17 13 14 14 - Uncommitted




- Lainnya 14 143 162 281 373 95 96 121 96 9 8 7 7 5 5 4 4 3 - Others

35.686 48.562 47.849 49.351 50.379 50.454 48.836 49.787 54.037 58.027 59.864 60.106 60.112 61.505 62.627 63.116 62.747 64.865



- Lainnya 438 630 641 649 650 667 684 691 713 2.918 3.132 3.116 3.197 3.217 3.191 3.251 3.202 3.241 - Others

82.152 100.635 99.412 103.275 109.845 105.964 102.510 101.434 106.490 108.899 112.347 109.099 109.241 116.362 116.888 121.887 129.354 123.827


- Lainnya 248 252 269 284 302 265 273 290 304 505 493 518 524 607 567 3.491*)

470,40878 396,91645 - Others

121.735 128.518 128.308 131.330 132.532 127.845 125.273 125.923 127.365 128.612 130.481 130.339 131.109 134.157 134.906 136.097 138.372 132.839




Lainnya 3.312 3.718 3.615 3.729 3.771 3.769 3.687 3.681 3.686 3.553 3.626 3.551 3.514 3.513 3.510 3.511 3.513 3.514 - Others

- Aset produktif yang dihapustagih 94 114 111 118 120 119 114 111 114 115 117 115 116 121 120 121 123 123 - Charged off earning assets

Kredit yang diberikan 94 114 111 118 120 119 114 111 114 115 117 115 116 121 120 121 123 123 - Credit disbursed

Lainnya - - - - - - - - - - - - - - - - - - - Others

r) Revised figures

2012

Tabel 1.16.a. Rekening Administratif Bank Persero

(State Owned Banks Off-Balance Sheet)Miliar Rp (Billion Rp)

2013


Indicator

Contingent Claims

Commited Liabilities

Tagihan Kontinjensi

Indikator

Tagihan Komitmen

Kewajiban Kontijensi

Lainnya

Kewajiban Komitmen

Others

Commited Claims

Contingent Liabilities

2014

19


2015


67.659 92.295 104.133 106.463 110.257 107.563 112.748 113.417 118.915 112.047 126.454 120.781 123.930 128.426 129.237 278.281 117.771 121.541




- Lainnya (Others) 2.183 1.816 1.816 1.002 1.484 2.176 1.874 3.357 3.248 1.486 1.445 1.260 1.697 1.646 1.709 840 1.065 1.182 - Others

441.539 529.149 533.371 678.923 552.285 561.969 534.038 549.194 554.284 582.325 585.642 481.626 481.283 483.541 534.029 531.651 547.195 560.620







Committed 1.140 1.135 1.245 968 883 986 1.132 1.097 1.098 1.442 1.465 1.352 1.589 1.230 1.192 1.233 1.234 1.360 - Committed

Uncommitted 1.094 4.042 1.165 872 800 716 937 708 695 1.021 1.000 949 1.057 1.112 1.366 954 1.142 912 - Uncommitted




- Lainnya 82 1.290 702 7.005 7.849 8.316 3.101 4.264 1.945 1.367 2.847 2.018 2.774 2.556 1.458 1.380 1.509 5.582 - Others

8.659 8.850 8.561 9.184 9.196 9.418 10.093 11.937 11.686 11.755 11.866 11.789 16.153 16.910 17.531 17.310 17.417 18.646



- Lainnya 126 252 257 246 256 268 175 222 188 151 162 173 151 137 139 139 136 136 - Others

37.219 41.348r) 40.769 42.053 43.986 41.592 40.795 40.992 42.619 39.529 40.701 40.758 46.006 47.711 48.674 49.221 48.820 47.958


- Lainnya 2.512 2.488r)

2.349 2.405 2.423 2.457 2.409 2.428 2.349 878 872 1.069 975 1.042 1.035 1.164 1.087 1.115 - Others

46.937 53.131 53.202 53.718 55.939 57.725 57.891 58.179 58.189 59.125 59.843 59.910 60.354 62.014 63.403 61.554 65.737 67.148




Lainnya 11.655 12.337 12.776 12.895 13.218 13.262 13.153 13.104 13.178 10.585 10.618 10.606 4.398 r) 4.595 4.576 4.592 4.661 4.715 - Others

- Aset produktif yang dihapustagih 6.351 7.321 7.092 7.228 7.253 7.689 7.891 7.977 8.079 8.059 8.206 8.670 15.025 15.103 15.450 15.376 16.537 17.434 - Charged off earning assets


Lainnya 567 650 637 630 605 593 598 610 610 612 605 598 6.820 r)

6.818 6.816 6.818 6.831 7.523 - Others

r) Revised figures

2012


Lainnya

Kewajiban Komitmen

Indikator

Others


Contingent ClaimsTagihan Kontinjensi

Tagihan Komitmen

Tabel 1.17.a. Rekening Administratif BUSN Devisa

(Foreign Exchange Commercial Banks Off-Balance Sheet)


2013Indicator

Contingent LiabilitiesKewajiban Kontijensi

Commited Claims

2014

20


2015


18 23 19 26 25 20 22 24 20 114 21 20 18 17 40 22 24 24

- Fasilitas pinjaman yang belum ditarik - - - - - - - - - 92 - - - - - - - - - Unused borrowing

- Posisi pembelian spot dan derivatif yang - - - - - - - - - - - - - - - - - - - Outstanding spot and derivatives


- Lainnya (Others) 18 23 19 26 25 20 22 24 20 22 21 20 18 17 40 22 24 24 - Others

4.861 5.412 7.049 7.400 6.583 7.774 7.992 7.172 6.971 7.410 7.220 8.205 9.140 8.960 10.833 11.057 10.331 11.390









- Irrevocable L/C yang masih berjalan - - - - - - - - - - - - - - - - - - - Current Irrevocable L/C

- Posisi penjualan spot dan derivatif yang - - - - - - - - - - - - - - - - - - - Outstanding spot and


- Lainnya 29 43 53 41 27 25 22 24 21 26 29 28 19 25 23 42 30 44 - Others

309 323 335 329 327 343 342 277 305 312 322 337 352 363 367 363 363 448

- Garansi yang diterima - - - - - - - - - - - - - - - - - - - Received guarantees

- Pendapatan bunga dalam penyelesaian 303 313 326 319 318 328 331 265 290 302 312 325 339 350 353 362 362 446 - Accrued interest

- Lainnya 6 10 9 10 9 14 11 11 15 9 10 12 13 14 14 1 1 1 - Others

374 379 356 353 387 341 318 369 380 408 437 447 366 444 470 499 551 603

- Garansi yang diberikan 289 315 293 287 324 277 261 300 315 332 359 348 294 367 396 412 466 512 - Issued guarantees

- Lainnya 85 63 64 66 63 64 57 68 65 76 77 99 72 77 74 87 85 91 - Others

2.255 2.849 2.902 3.032 3.103 3.159 3.195 3.282 3.318 3.389 3.451 3.521 3.647 3.719 3.818 3.915 4.012 4.085

- Penerusan Kredit 82 82 81 81 81 81 81 81 81 86 86 86 86 86 86 85 85 85 - Channelling



Lainnya 149 133 149 233 239 251 252 253 255 2 3 3 2 6 5 5 5 5 - Others



Lainnya - - - - - - - - - - - - - - - - - - - Others

2012Indikator

Others


Contingent Claims


2013

Tabel 1.18.a. Rekening Administratif BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Off-Balance Sheet)


Commited Claims

Commited LiabilitiesKewajiban Komitmen

Tagihan Komitmen

Tagihan Kontinjensi

Indicator

Lainnya

2014

21


2015


2.426 3.423 3.961 3.571 3.674 3.616 3.969 4.074 4.678 3.839 3.837 4.047 4.233 3.813 4.487 4.734 3.458 4.834

- Fasilitas pinjaman yang belum ditarik 77 79 79 79 80 79 80 81 81 81 81 81 81 81 151 81 80 81 - Unused borrowing

- Posisi pembelian spot dan derivatif yang 10 0 100r)

183 366 234 360 205 1.506 827 803 664 763 402 890 1.255 0 1.245 - Outstanding spot and derivatives


- Lainnya (Others) 2.340 3.344 3.282 3.309 3.228 3.303 3.529 3.789 3.091 2.931 2.953 3.302 3.389 3.329 3.446 3.398 3.377 3.509 - Others

21.004 21.403 21.248 21.212 24.112 25.145 24.981 22.546 23.478 21.686 20.991 30.942 28.689 28.671 31.568 27.958 27.193 28.045







Committed 15 4 45r)

55 36 47 45 38 45 50 40 47 42 43 55 75 50 25 - Committed


- Irrevocable L/C yang masih berjalan 865 804 775 836 817 665 603 513 521 426 435 437 459 391 377 365 399 383 - Current Irrevocable L/C

- Posisi penjualan spot dan derivatif yang 39 35 564 219 219 51 131 137 1.021 268 101 340 264 37 431 753 37 977 - Outstanding spot and


- Lainnya 1.196 1.628 1.642 1.617 1.629 1.851 1.993 2.010 2.056 1.918 1.979 2.423 2.656 2.627 2.513 2.514 2.607 3.002 - Others

7.391 4.181 4.697 4.801 4.506 4.402 7.243 4.401 5.228 5.953 6.808 6.799 5.562 5.926 7.363 5.889 5.512 5.391



- Lainnya 118 81 82 141 81 82 82 95 95 83 94 80 138 144 147 149 146 206 - Others

11.946 12.450 12.638 11.854 12.140 10.669 9.961 10.056 10.425 11.083 11.302 11.439 12.434 13.275 13.131 12.684 11.353 8.947


- Lainnya 1 33 475 472 376 629 706 508 696 693 50 89 560 670 643 753 244 180 - Others

7.310 8.092 8.108 8.306 8.540 8.542 8.615 8.593 8.642 8.639 8.861 8.948 8.888 9.477 9.500 9.594 9.784 9.767




Lainnya 236 272 273 357 383 380 382 385 387 239 238 302 297 390 259 259 266 242 - Others



Lainnya 0 - - - - - 9 - 11 9 9 9 9 - 9 9 9 9 - Others

r) Revised figures

2012

Tabel 1.19.a. Rekening Administratif BPD

(Regional Development Banks Off-Balance Sheet)


Kewajiban Komitmen

Contingent Claims

Lainnya

Commited Claims

Others


Indicator


Indikator



Tagihan Komitmen

2013

Tagihan Kontinjensi

2014

22


2015


41.154 55.391 58.106 59.633 63.713 68.713 70.972 71.023 70.780 74.992 83.621 82.879 80.866 91.061 98.700 86.224 87.157 87.506




- Lainnya (Others) 84 285 182 161 381 171 492 679 584 265 167 704 180 2.332 2.547 2.006 2.270 1.967 - Others

143.637 176.221 176.775 196.267 187.237 195.865 204.941 187.595 186.641 185.957 197.863 210.533 210.096 218.870 223.364 221.576 228.063 238.319












- Lainnya 215 257 229 417 366 504 567 527 770 720 641 588 2.549 1.612 1.418 630 611 935 - Others

62.290 75.594 74.231 86.458 91.364 94.904 90.600 86.342 89.145 90.368 93.454 93.259 91.771 94.647 93.312 94.694 100.500 102.224



- Lainnya 4 3 3 2 2 2 3 3 4 4 4 4 5 5 6 6 6 6 - Others

15.200 20.359 19.988 20.970 20.536 20.040 19.183 18.499 18.296 18.265 20.859 20.767 17.489 17.134 17.427 17.056 18.093 16.272


- Lainnya 42 65 57 69 91 85 96 116 110 98 107 186 0 0 0 0 0 0 - Others

3.753 5.013 5.073 5.194 5.334 5.411 5.545 5.563 5.731 5.810 5.900 5.984 6.041 6.155 6.370 6.460 6.575 6.710

- Penerusan Kredit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - Channelling



Lainnya 153 153 153 153 153 153 167 153 192 10 10 10 10 10 10 10 10 10 - Others



Lainnya - - - 3 - - - - - - - - - - - - - - - Others

r) Revised figures

2012


2013

Tagihan Komitmen Commited Claims

Others

Indikator

Tagihan Kontinjensi


Tabel 1.20.a. Rekening Administratif Bank Campuran

(Joint Venture Banks Off-Balance Sheet)


Contingent Claims

Kewajiban Komitmen

Indicator

Lainnya



2014

23


2015


140.520 182.605 183.577 197.921 198.742 206.913 210.460 207.868 220.923 225.725 238.802 234.942 225.268 255.793 248.574 156.503 238.213 243.700




- Lainnya (Others) 4 31 1 - 21 27 580 34 - - - - 70 - 5 20 10 - - Others

302.516 408.950 418.420***) 444.852 450.692 352.873 338.382 454.376 434.345 440.847 500.378 351.222 351.248 374.529 379.392 343.414 380.969 399.346







Committed 338 141 131 152 33 96 144 139 143 28 149 143 3.070 r)

155 153 154 156 165 - Committed





- Lainnya 249 308 308***)

638 271 55 - 288 - - 153 167 361 139 364 143 117 125 - Others

85.357 99.781 93.073 101.999 104.257 106.047 100.773 102.373 108.440 105.370 109.590 109.182 100.218 104.498 95.815 98.611 97.743 111.474



- Lainnya 13 10 10 8 8 7 7 7 7 7 7 7 7 7 7 7 7 7 - Others

36.785 43.002 43.280 45.933 45.450 45.834 43.012 42.576 43.269 43.185 43.806 42.518 42.898 44.130 42.262 42.296 41.566 40.959


- Lainnya - - - - - - - - - - - - - - - - - - - Others

9.899 10.765 10.818 10.882 11.100 10.972 11.028 12.261 12.323 12.459 12.609 12.661 12.950 13.051 13.157 13.454 13.477 13.310

- Penerusan Kredit - - - - - - - - - - - - - - - - - - Channelling



Lainnya 12 165 165 166 166 166 166 165 151 151 151 151 151 151 151 151 151 151 - Others



Lainnya - - - - - - - - - - - - - - - - - - - Others

***) Estimated figures

r) Revised figures

2012



Commited Claims

Tabel 1.21.a. Rekening Administratif Bank Asing

(Foreign Owned Banks Off-Balance Sheet)


20142013

Contingent Claims

Tagihan Komitmen


Indicator

***) Angka-angka sangat-sangat sementara

Others

Indikator

Tagihan Kontinjensi

Lainnya

Kewajiban Komitmen


24


2015


17,43 18,11 18,48 18,72 18,13 19,91 19,91 19,77 19,33 19,48 19,45 19,39 19,70 19,53 19,63 19,77 19,57 21,01

- Modal 496.629 601.394 612.646 633.538 626.888 696.029 692.783 692.611 688.661 702.833 713.581 715.036 723.852 730.858 733.440 746.568 754.174 814.810 - Capital

- ATMR 2.849.997 3.320.806 3.315.371 3.383.646 3.458.404 3.495.264 3.479.287 3.502.768 3.561.926 3.608.712 3.669.339 3.687.281 3.675.209 3.741.538 3.736.749 3.776.200 3.854.234 3.878.947 - Risk Weighted Assets

15,60 16,42 16,66 16,99 16,36 18,27 18,29 18,17 17,76 17,91 17,79 17,81 18,08 17,91 17,94 18,15 18,01 18,75

- Modal Inti (Tier I) 444.545 545.432 552.319 575.004 565.774 638.682 636.516 636.301 632.568 646.263 652.912 656.825 664.518 669.926 670.559 685.255 694.198 727.294 - Core Capital (Tier I)


3,11 3,06 3,09 3,09 3,08 2,90 2,79 3,01 2,93 2,98 3,02 2,91 2,90 2,91 2,89 2,87 2,85 2,82

- Laba sebelum pajak 117.103 130.653 132.679 133.732 134.571 136.311 131.164 141.871 138.814 142.439 145.570 140.804 141.079 142.355 142.372 142.564 142.769 152.532 - Profit

- Rata-rata total aset 3.761.912 4.269.024 4.296.687 4.328.225 4.365.364 4.704.589 4.704.448 4.719.077 4.745.361 4.778.705 4.817.211 4.832.305 4.856.622 4.897.413 4.932.537 4.967.179 5.004.089 5.417.813 - Average total assets

BOPO (%) 74,10 74,35 73,74 74,95 74,08 82,93 79,48 77,34 77,19 76,20 75,45 76,54 76,37 76,14 76,14 76,16 76,29 82,15

- Biaya Operasional 321.357 272.984 298.646 353.066 368.460 53.965 82.430 118.983 152.786 186.053 218.558 259.135 294.176 331.305 367.997 406.608 446.217 56.987 - Operating Expenses

- Pendapatan Operasional 433.678 367.168 404.977 471.067 497.384 65.072 103.713 153.836 197.934 244.150 289.661 338.544 385.201 435.149 483.333 533.906 584.887 69.368 - Operating Income

NIM (%) 5,49 5,48 5,50 4,88 4,89 4,17 4,18 4,28 4,26 4,22 4,22 4,20 4,21 4,21 4,24 4,24 4,23 4,24

- Pendapatan bunga bersih 200.338 226.470 228.967 231.216 233.841 246.975 247.087 252.437 251.690 250.760 252.257 251.819 253.786 255.233 258.061 259.471 260.940 283.884 - Interest income net

- Rata-rata total aset produktif 3.648.741 4.134.927 4.161.857 4.742.537 4.782.557 5.922.528 5.905.662 5.896.304 5.909.664 5.936.520 5.978.554 5.992.080 6.022.841 6.058.539 6.090.379 6.118.637 6.161.761 6.691.609 - Average total earning assets

LDR (%) 83,58 88,91 89,47 89,97 89,70 90,47 90,47 91,17 90,79 90,30 90,25 92,19 90,63 88,93 88,45 88,65 89,42 88,48

-Total Kredit kepada pihak ketiga bukan

Bank2.597.026 3.024.448 3.027.457 3.081.594 3.158.099 3.125.561 3.134.461 3.169.647 3.222.850 3.262.111 3.324.847 3.339.705 3.352.392 3.413.557 3.403.652 3.448.211 3.526.364 3.487.843 - Total Credit to third party

- Total Dana Pihak Ketiga 3.107.385 3.401.635 3.383.707 3.425.301 3.520.616 3.454.949 3.464.669 3.476.779 3.549.751 3.612.717 3.683.973 3.622.653 3.699.016 3.838.472 3.848.279 3.889.630 3.943.697 3.942.067 - Total Third Party Funds

Rasio Aset Likuid (%) 18,45 15,92 15,85 15,50 15,77 15,06 15,15 14,58 15,12 16,31 15,78 15,21 14,21 16,18 16,35 16,27 16,24 16,88

- Aset Likuid Primer 616.043 560.114 554.127 545.510 589.158 534.690 541.642 514.369 551.766 625.072 610.892 570.498 530.989 651.638 673.152 676.518 686.023 724.886 - Aset Likuid Primer

- Aset Likuid Sekunder 142.989 168.325 166.499 174.449 163.506 173.603 171.239 178.448 177.717 176.202 179.425 178.809 183.522 193.406 184.825 188.037 192.598 189.545 - Aset Likuid Sekunder

- Total Aset 4.115.003 4.575.253 4.545.650 4.643.724 4.773.892 4.704.589 4.704.307 4.751.823 4.824.212 4.912.082 5.009.817 4.927.835 5.026.825 5.223.740 5.248.656 5.313.591 5.410.098 5.417.813 - Total Assets

Ket: Data tidak termasuk BUS, data kinerja BUS disajikan pada tabel 2.13

2012

Tabel 1.22.a. Kinerja Bank Umum Konvensional

(Commercial Banks Performance)Miliar Rp (Billion Rp)

Keterangan Items

Rasio Pemenuhan Kecukupan Modal

Minimum (%)Capital Adequacy Ratio (%)

ROA (%) Return On Assets Ratio (%)

Operating Expenses/Operating Income (%)

Loan to Deposits Ratio (%)

Note : Excluding Sharia Banks (starting April 2010), Sharia Banks Performance on table 2.13

2013

Core Capital Ratio to ATMR (%)

Net Interest Margin Ratio (%)

Liquid Assets Ratio (%)

Rasio Modal Inti terhadap ATMR (%)

2014

25


2015


16,17 16,17 16,40 16,70 15,91 18,60 17,98 17,84 17,27 16,91 16,81 16,90 17,58 17,31 17,48 17,56 17,08 19,00

- Modal 166.297 192.847 194.358 201.731 198.288 233.021 224.844 224.400 220.153 218.610 219.898 223.797 229.100 228.772 229.548 232.941 235.019 263.073 - Capital


14,59 14,96 14,89 15,39 14,58 17,47 16,92 16,78 16,22 15,89 15,62 15,87 16,49 16,27 16,26 16,50 16,14 16,15



3,80 3,71 3,74 3,74 3,87 3,54 3,43 3,82 3,81 3,67 3,74 3,67 3,67 3,74 3,71 3,75 3,75 3,28



BOPO (%) 70,53 66,56 66,60 66,55 66,16 80,21 75,08 70,86 70,67 71,01 69,73 70,79 70,80 70,29 70,05 69,64 69,57 81,60



NIM (%) 5,95 5,97 6,04 5,43 5,50 4,96 5,13 5,25 5,20 5,16 5,14 5,10 5,12 5,12 5,14 5,14 5,11 5,28



LDR (%) 79,84 88,72 88,07 89,29 86,70 89,84 89,64 89,64 88,98 88,53 88,46 88,75 87,73 86,45 85,97 85,66 83,73 85,60


Bank959.128 1.125.090 1.125.057 1.145.988 1.181.726 1.159.580 1.166.047 1.178.302 1.199.339 1.206.035 1.234.235 1.238.718 1.254.133 1.275.444 1.267.022 1.284.068 1.325.087 1.312.532 - Total Credit to third party







2012


Minimum (%)

2013


Tabel 1.23.a. Kinerja Bank Persero Konvensional(State Owned Banks Performance)


Keterangan

Return On Assets Ratio (%)

Items

Rasio Modal Inti terhadap ATMR (%) Core Capital Ratio to ATMR (%)

Capital Adequacy Ratio (%)

2014



ROA (%)



26


2015


15,33 16,00 15,97 16,23 16,01 17,20 17,39 17,24 16,95 16,76 16,69 16,76 16,82 16,64 16,72 16,70 16,42 17,61

- Modal 177.744 211.681 212.565 219.116 220.225 239.571 241.698 241.575 242.144 241.975 245.211 246.279 247.601 248.816 250.999 253.244 252.499 272.494 - Capital


13,05 13,75 13,66 13,98 13,78 15,04 15,20 15,08 14,84 14,68 14,52 14,62 14,67 14,42 14,53 14,52 14,27 15,18



2,64 2,50 2,51 2,52 2,43 2,21 2,07 2,14 2,11 2,47 2,49 2,38 2,34 2,25 2,20 2,17 2,13 2,15



BOPO (%) 74,88 77,78 76,82 80,03 78,07 86,84 81,50 81,12 81,04 78,20 77,85 78,90 79,00 79,53 80,05 80,24 80,70 83,16



NIM (%) 5,17 5,07 5,08 4,43 4,42 3,84 3,74 3,83 3,81 3,74 3,75 3,77 3,76 3,76 3,78 3,79 3,78 3,73



LDR (%) 81,58 84,72 85,87 85,13 83,77 83,73 84,21 86,33 86,05 85,89 86,26 86,07 85,03 84,54 84,74 85,30 85,66 83,61


Bank1.026.324 1.158.362 1.169.129 1.178.509 1.202.706 1.196.529 1.201.696 1.220.565 1.236.069 1.251.699 1.272.478 1.274.333 1.269.766 1.292.004 1.298.928 1.312.831 1.342.612 1.324.860 - Total Credit to third party







2012


Tabel 1.24.a. Kinerja BUSN Devisa Konvensional

(Foreign Exchange Commercial Banks Performance)Miliar Rp (Billion Rp)



Minimum (%)




ROA (%)

2013

Items




2014


Keterangan

27


2015


20,80 22,29 22,30 22,21 23,16 24,15 24,05 23,65 23,36 23,85 23,50 23,25 23,35 23,14 23,24 23,00 23,07 23,86

- Modal 13.530 16.698 16.819 16.921 17.984 19.590 19.667 19.749 19.789 20.538 20.721 20.008 20.164 20.345 20.445 20.505 20.631 21.912 - Capital

- ATMR 65.057 74.920 75.431 76.170 77.653 81.122 81.783 83.499 84.710 86.119 88.176 86.066 86.353 87.936 87.983 89.156 89.411 91.843 - Risk Weighted Assets

19,38 20,60 20,63 20,54 21,47 22,55 22,84 22,42 22,16 22,28 21,94 21,68 21,78 21,53 21,63 21,40 21,49 22,34



3,31 3,34 3,30 3,27 3,26 2,16 2,49 2,61 2,52 2,57 2,57 2,37 2,35 2,29 2,28 2,26 2,16 1,70


- Rata-rata total aset 96.840 112.452 112.988 113.554 114.799 125.653 125.884 126.452 126.875 127.641 128.813 128.577 128.861 129.380 129.836 130.451 131.315 137.329 - Average total assets

BOPO (%) 79,30 78,51 78,83 79,11 79,67 86,52 84,07 83,58 84,00 83,87 84,03 84,53 84,80 85,16 85,64 85,73 86,31 88,70



NIM (%) 9,34 9,10 9,08 8,84 8,73 7,22 7,41 7,51 7,43 7,49 7,48 6,77 6,73 6,73 7,21 7,16 7,02 6,12


- Rata-rata total aset produktif 92.126 107.093 107.592 110.581 111.801 125.257 125.494 126.014 126.317 127.035 128.091 127.844 128.222 128.020 127.228 127.469 129.441 139.716 - Average total earning assets

LDR (%) 82,73 88,86 89,65 90,46 85,10 86,53 89,32 89,14 91,09 89,89 89,39 89,01 90,14 89,76 82,32 88,17 87,81 89,32


Bank69.804 79.835 79.114 80.512 82.634 81.831 83.030 84.551 86.546 88.188 90.427 89.055 88.701 90.228 82.362 90.040 91.795 91.076 - Total Credit to third party

- Total Dana Pihak Ketiga 84.374 89.846 88.243 89.001 97.102 94.575 92.962 94.849 95.013 98.111 101.160 100.046 98.401 100.518 100.052 102.122 104.544 101.964 - Total Third Party Funds



- Aset Likuid Sekunder 1.291 1.430 1.320 1.218 891 883 920 908 926 1.000 978 873 886 920 741 744 803 708 - Aset Likuid Sekunder

- Total Aset 108.758 118.971 117.813 119.212 128.498 125.653 126.115 127.587 128.147 130.704 134.669 132.132 130.833 133.535 133.934 136.604 140.823 137.329 - Total Assets


2012

2013


ItemsKeterangan




Minimum (%)Capital Adequacy Ratio (%)



Tabel 1.25.a. Kinerja BUSN Non Devisa Konvensional

(Non-Foreign Exchange Commercial Banks Performance)Miliar Rp (Billion Rp)

2014




ROA (%)

28


2015


18,02 16,70 16,82 16,89 17,58 20,61 20,33 18,64 17,87 17,70 17,58 17,64 17,59 17,34 17,60 17,55 17,79 20,40

- Modal 35.198 38.083 38.547 39.254 40.343 47.652 47.538 44.403 43.148 43.265 44.174 43.475 44.039 45.055 45.850 46.002 46.922 53.459 - Capital


16,66 15,43 15,56 15,63 16,33 19,41 19,13 17,37 16,68 16,49 16,42 16,47 16,31 16,06 16,32 16,27 16,55 18,26



2,90 3,26 3,19 3,18 3,18 3,28 2,88 3,52 2,98 2,88 3,03 2,59 2,69 2,90 2,90 2,77 2,68 3,32



BOPO (%) 75,29 71,75 72,32 72,43 73,49 73,89 75,92 71,38 75,77 76,14 74,83 78,48 77,87 76,14 75,94 76,82 78,08 73,96



NIM (%) 6,70 7,24 7,24 6,93 7,04 7,07 6,87 6,92 6,73 6,61 6,52 6,60 6,62 6,61 6,60 6,57 6,65 6,76



LDR (%) 78,57 73,88 77,80 78,32 92,34 86,87 85,55 83,82 78,97 77,10 74,34 86,79 82,07 73,49 74,96 76,58 89,73 83,38









2012


2013








Minimum (%)

2014


ROA (%)

Keterangan


Items

Tabel 1.26.a. Kinerja BPD Konvensional

(Regional Development Banks Performance)Miliar Rp (Billion Rp)

29


2015


18,65 19,60 19,54 19,67 19,86 20,72 21,31 20,81 20,36 20,21 19,88 19,85 19,79 19,49 19,23 18,89 19,14 20,18

- Modal 30.770 41.604 37.768 42.275.853 43.832 46.210 46.522 45.041 45.375 45.530 45.349 45.419 45.615 45.660 45.861 46.151 47.767 50.482 - Capital

- ATMR 164.956 212.290 193.268 214.954.109 220.744 222.979 218.289 216.486 222.842 225.304 228.078 228.815 230.449 234.303 238.426 244.350 249.533 250.200 - Risk Weighted Assets

16,52 17,28 17,07 17,25 16,78 17,85 18,44 17,95 17,55 17,38 17,09 17,11 17,02 16,71 16,49 16,18 16,44 17,31



2,24 2,47 2,60 2,47 2,39 2,87 2,53 2,33 2,12 2,03 1,98 1,96 2,00 2,09 2,14 2,15 2,11 1,20



BOPO (%) 77,86 80,53 78,32 78,13 79,23 78,19 83,61 83,86 81,73 81,54 82,64 82,46 81,59 79,44 79,36 78,35 78,49 88,80



NIM (%) 3,63 3,46 3,36 2,99 3,00 2,37 2,32 2,37 2,36 2,35 2,36 2,38 2,40 2,40 2,40 2,40 2,40 2,25



LDR (%) 115,63 120,98 127,98 124,38 122,20 123,14 121,69 119,71 127,58 128,47 129,81 135,21 132,62 129,26 122,80 122,40 123,61 122,66









2012


Minimum (%)




2013


2014




Tabel 1.27.a. Kinerja Bank Campuran Konvensional

(Joint Venture Banks Performance)Miliar Rp (Billion Rp)

Items


ROA (%) Return On Assets Ratio (%)

Keterangan

30


2015


30,89 34,67 37,31 37,75 34,46 35,06 36,93 38,43 38,15 41,99 42,60 40,98 41,31 41,49 41,93 43,80 44,81 44,77

- Modal 73.091 100.481 112.590 114.240 106.216 109.986 112.516 117.444 118.054 132.915 138.228 136.059 137.333 142.210 140.739 147.726 151.336 153.390 - Capital


29,91 33,73 36,38 36,82 33,49 34,23 36,11 37,61 37,36 41,18 41,80 40,17 40,52 40,68 41,12 42,98 44,03 45,83



3,06 2,88 3,00 3,15 2,92 3,17 3,48 3,52 3,43 3,19 3,21 3,23 3,15 3,01 3,10 3,01 3,08 4,73



BOPO (%) 80,78 85,14 83,51 82,05 83,06 85,39 85,63 84,44 82,99 82,02 80,88 81,06 80,23 80,79 79,66 80,57 79,30 82,07



NIM (%) 3,47 3,34 3,41 2,79 2,65 1,87 1,86 1,87 1,93 2,03 2,03 2,04 2,08 2,08 2,09 2,12 2,12 2,18



LDR (%) 111,21 125,38 118,69 124,98 130,05 127,53 128,68 130,70 135,91 133,70 138,30 148,93 143,85 146,72 143,01 136,07 140,04 129,70









ROA (%)

Keterangan Items


Tabel 1.28.a. Kinerja Bank Asing Konvensional

(Foreign Owned Banks Performance)Miliar Rp (Billion Rp)

2014

2012








Minimum (%)



2013

31


2015


- Bank Persero 1.535.343 1.657.000 1.666.037 1.685.957 1.758.873 1.699.767 1.716.770 1.731.177 1.773.954 1.792.021 1.826.534 1.813.415 1.858.626 1.917.187 1.942.742 1.974.227 2.076.605 2.030.924 - State Owned Banks

- BUSN Devisa 1.705.408 1.855.771 1.854.386 1.896.373 1.962.539 1.946.984 1.950.219 1.959.219 1.972.793 2.003.325 2.040.291 2.041.885 2.093.688 2.147.547 2.149.155 2.169.150 2.200.142 2.221.590 - Foreign Exchange

Commercial Banks

- BUSN Non Devisa 135.472 150.541 149.899 151.723 162.457 158.996 158.708 162.521 162.458 165.158 170.947 172.031 171.065 174.949 176.483 179.987 186.817 182.326 - Non-Foreign Exchange

Commercial Banks

- BPD 366.685 426.527 414.741 419.084 389.964 388.106 394.657 407.669 430.044 442.228 462.415 408.890 432.960 481.069 480.868 478.437 440.691 448.393 - Regional Development

Banks

- Bank Campuran 217.713 271.328 261.752 277.342 290.219 290.928 284.986 280.898 282.299 288.254 290.273 285.408 252.045 260.674 266.701 274.048 278.312 282.539 - Joint Venture Banks

- Bank Asing 301.966 376.142 370.029 387.272 390.415 395.704 383.411 391.512 386.547 406.479 407.553 409.524 410.531 437.404 429.704 435.287 432.582 450.239 - Foreign Owned Banks

Total 4.262.587 4.737.308 4.716.845 4.817.751 4.954.467 4.880.485 4.888.752 4.932.997 5.008.095 5.097.466 5.198.013 5.131.153 5.218.916 5.418.830 5.445.652 5.511.136 5.615.150 5.616.012 Total

Tabel 1.29 Perkembangan Aset Bank Umum Berdasarkan Kelompok Bank

(Growth of Commercial Banks Assets Based Group Bank)Miliar Rp (Billion Rp )

Kelompok Bank Group of Bank2013 2014

2012

32


< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

< Rp.

1

Triliun

Rp. 1

s.d

10

Triliun

Rp. 10

s.d

50

Triliun

> Rp.

50

Triliun

Bank Persero 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 State Owned Banks

BUSN Devisa 2 18 8 6 1 18 10 7 1 18 7 10 1 17 7 11 1 15 8 12 1 16 7 12 1 16 9 12 1 15 10 12 Foreign Exchange

Commercial Banks

BUSN Non Devisa 21 9 1 0 21 8 2 0 12 15 3 0 10 17 2 1 8 18 2 1 8 18 2 1 5 21 2 1 6 20 2 1 Non-Foreign Exchange

Commercial Banks

BPD 1 17 8 0 0 15 11 0 0 14 11 1 0 14 11 1 0 14 11 1 0 13 12 1 0 10 15 1 0 10 15 1 Regional Development

Banks

Bank Campuran 1 8 7 0 1 7 7 0 0 6 8 0 0 6 8 0 0 7 7 1 0 7 7 1 0 4 7 1 0 4 7 1 Joint Venture Banks

Bank Asing 0 4 5 1 0 5 4 1 0 4 3 3 0 3 3 4 0 2 4 4 0 2 4 4 0 2 4 4 0 2 4 4 Foreign Owned Banks

Total 25 56 29 11 23 53 34 12 13 57 32 18 11 57 31 21 9 56 32 23 9 56 32 23 6 53 37 23 7 51 38 23 Total

Januari 2015Desember 2014

Group of Bank

Januari 2014Desember 2011Desember 2009 Desember 2013Desember 2012

Tabel 1.30 Jumlah Bank Umum Berdasarkan Pengelompokan Total Aset

(Total of Commercial Banks Based on Total Assets)

Kelompok Bank

Desember 2010

33


2015


Aset Produktif Neraca 3.416.989 3.970.762 3.956.974 4.051.171 4.115.372 4.093.757 4.105.080 4.174.744 4.202.006 4.276.222 4.350.313 4.238.345 4.357.488 4.387.087 4.370.469 4.436.454 4.531.435 4.667.587 Earning Assets

a. Lancar 3.250.997 3.786.570 3.768.006 3.862.279 3.929.648 3.887.028 3.886.237 3.956.278 3.994.204 4.052.832 4.124.774 4.000.213 4.128.104 4.153.584 4.146.306 4.195.053 4.308.971 4.415.322 a. Current

b. DPK 110.176 123.033 126.706 126.643 124.978 142.856 152.204 151.334 138.941 149.700 151.004 161.195 150.135 153.410 142.008 158.674 143.405 167.324 b. Special Mention

c. Kurang Lancar 9.189 11.187 11.241 10.717 9.481 11.881 12.265 13.692 13.761 15.566 13.902 13.800 13.151 15.170 17.292 16.573 12.864 15.970 c. Sub-Standard

d. Diragukan 9.515 8.973 9.252 9.525 9.132 9.165 11.120 11.042 10.973 12.661 14.825 14.991 14.894 14.160 13.311 14.225 14.395 12.878 d. Doubtful

e. Macet 37.113 40.999 41.769 42.007 42.131 42.827 43.255 42.398 44.127 45.463 45.809 48.146 51.204 50.763 51.551 51.929 51.799 56.093 e. Loss

Aset Produktif Transaksi

Rekening Administratif 1)

1.066.117 1.261.094 1.266.749 1.461.321 1.331.086 1.369.968 1.324.084 1.294.608 1.277.134 1.290.923 1.342.684 1.341.081 1.374.501 1.400.415 1.438.294 1.396.255 1.441.570 1.469.511 Earning Assets - Account

Administrative Transactions 1)



c. Kurang Lancar 662 385 437 594 404 703 707 781 690 795 959 877 678 820 1.426 1.825 1.986 1.720 c. Sub-Standard

d. Diragukan 141 230 232 240 270 293 320 248 363 350 403 399 422 376 436 347 402 552 d. Doubtful

e. Macet 181 564 513 481 699 530 3.207 603 756 739 693 886 946 948 1.001 928 701 678 e. Lost

Non Performing Earning Aset

(Nominal) 60.345 66.729 67.431 67.980 68.947 65.399 70.874 68.764 70.671 75.573 76.591 79.098 81.294 82.236 85.016 85.827 82.148 87.891

Non Performing Earning Asset

(Nominal)

Kredit kepada Bank Lain 17.812 23.595 23.473 26.643 26.968 26.467 25.644 27.113 27.428 26.967 26.805 26.594 24.006 30.792 30.937 31.371 32.192 32.542 Interbank Loans

a. Lancar 17.668 23.481 23.351 26.479 26.859 26.360 25.485 26.989 27.305 26.828 26.555 26.307 23.879 30.668 30.814 31.246 32.089 32.444 a. Current

b. DPK 64 14 23 43 7 2 37 43 39 54 162 178 39 36 34 39 11 15 b. Special Mention

c. Kurang Lancar - 3 3 18 1 5 3 2 4 5 12 7 12 9 5 1 9 3 c. Sub-Standard

d. Diragukan - - - - - - 1 2 1 - - 9 - - 0 0 0 0 d. Doubtful

e. Macet 80 98 95 104 101 101 117 77 79 80 76 92 76 80 85 85 84 80 e. Loss

Non Performing Loan kepada

Bank Lain (Nominal) 80 101 98 121 102 106 122 81 84 84 88 108 88 88 90 86 93 84

Interbank Non Performing Loan

(Nominal)

2013 2014

Tabel 1.31 Aset Produktif Bank Umum Konvensional dan Kualitas Kredit Bank Umum kepada Bank Lain

(Earning Assets of Commercial Banks and Credit Quality of Commercial Banks to Other Bank)Miliar Rp (Billion Rp)

IndicatorIndikator 2012

1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non Performing

Assets earning who has published is a number of earning assets as a credit.

- Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of

guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning assets is

the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions

- There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers on

Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in agreement

contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason)

- Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby letters

of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets Earning is the

total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.

1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non

Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit.

- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of credit,

fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non performing aset

pada neraca dan non performing earning aset pada TRA.

- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka angka pada

Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai uncommitted) dan

uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas karena kondisi atau alasan

tertentu)

- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter of

credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset

adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.

34


2015







e. Macet 16.967 18.322 18.396 18.465 18.441 19.016 19.085 18.286 19.438 19.798 19.274 19.841 20.914 20.383 20.676 20.756 19.829 21.458 e. Loss



309.868 340.296 343.076 358.119 359.504 375.793 363.930 349.741 353.283 362.229 362.166 358.008 369.141 359.231 383.047 386.107 398.351 399.644 Earning Assets - Account




c. Kurang Lancar 63 89 58 78 46 124 85 59 137 97 99 102 82 89 77 265 66 99 c. Sub-Standard


e. Macet 24 317 311 303 471 306 2.930 338 384 396 412 604 636 664 656 658 434 441 e. Loss


(Nominal) 28.038 30.407 29.818 29.595 31.217 26.941 30.323 27.092 27.854 29.165 29.232 30.165 31.108 31.299 30.553 31.042 28.355 32.262


(Nominal)




c. Kurang Lancar - - - - - - - - - - - 1 - - - - - - c. Sub-Standard

d. Diragukan - - - - - - - - - - - 9 - - - - - - d. Doubtful

e. Macet 78 93 92 96 98 97 75 74 75 75 76 86 73 73 72 72 72 69 e. Loss


Bank Lain (Nominal) 78 93 92 96 98 97 75 74 75 75 76 97 73 73 72 72 72 69


(Nominal)

Indikator2014

Tabel 1.32 Aset Produktif Bank Persero dan Kualitas Kredit Bank Persero kepada Bank Lain

(Earning Asset of State Owned Banks and Credit Quality of State Owned Banks to Other Bank)Miliar Rp (Billion Rp)

Indicator2012









tertentu)















2013

35


2015







e. Macet 12.881 14.179 14.350 14.428 14.614 14.738 15.034 15.063 15.103 15.611 16.531 16.883 18.600 18.750 19.305 19.281 18.996 20.758 e. Loss









e. Macet 37 108 72 49 57 56 96 85 151 135 92 79 74 68 159 65 108 66 e. Loss


(Nominal)19.190 20.888 21.378 21.708 21.465 21.929 23.064 23.463 24.396 26.384 27.174 28.186 29.875 30.219 32.974 33.180 30.984 32.665


(Nominal)



b. DPK 16 7 6 30 5 2 4 4 2 7 7 1 1 - 2 1 - 5 b. Special Mention

c. Kurang Lancar - - - 17 - 4 3 2 2 4 4 4 11 6 0 0 7 - c. Sub-Standard

d. Diragukan - - - - - 1 1 - - - - - - - 0 0 0 d. Doubtful

e. Macet - 3 1 3 1 3 40 1 2 2 1 1 1 5 11 11 11 11 e. Loss


Bank Lain (Nominal)- 3 1 20 1 7 44 5 5 7 5 5 12 11 11 12 18 11


(Nominal)

2013 2014Indikator

Tabel 1.33 Aset Produktif BUSN Devisa dan Kualitas Kredit BUSN Devisa kepada Bank Lain

(Earning Asset of Foreign Exchange Banks and Credit Quality of Foreign Exchange Banks to Other Bank) Miliar Rp (Billion Rp)

Indicator2012









tertentu)















36


2015


Aset Produktif Neraca 82.482 95.228 95.940 99.233 106.351 103.374 102.286 105.783 108.009 109.357 115.571 106.405 110.405 105.301 103.655 96.921 110.115 114.848 Earning Assets





e. Macet 686 615 641 675 649 690 694 673 677 648 764 822 869 807 775 560 813 933 e. Loss





a. Lancar 4.042 4.027 5.597 5.189 4.492 5.536 5.488 5.473 4.981 5.159 4.903 5.206 6.078 5.815 7.673 7.758 7.699 8.624

a. Current


c. Kurang Lancar 0 0 0 0 0 0 0 0 0 - 0 - - 0 0 0 - 0 c. Sub-Standard

d. Diragukan 0 0 0 0 0 0 - 0 - 0 0 0 0 - 0 0 1 - d. Doubtful

e. Macet 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 e. Loss


(Nominal) 1.246 1.140 1.250 1.237 1.111 1.299 1.378 1.236 1.494 1.581 1.580 1.626 1.623 1.568 1.652 1.186 1.736 1.737


(Nominal)

Kredit kepada Bank Lain 890 1.119 1.111 1.091 1.072 1.042 1.010 1.001 981 994 992 1.001 977 959 940 981 944 928 Interbank Loans

a. Lancar 888 1.114 1.104 1.084 1.070 1.040 1.007 998 977 991 877 996 973 953 933 978 939 924 a. Current

b. DPK - - 2 2 2 - 1 1 - 0 107 - 1 3 1 1 2 0 b. Special Mention

c. Kurang Lancar - 3 3 - - - - - 2 0 8 1 1 2 5 1 2 3 c. Sub-Standard

d. Diragukan - - - - - - - - - - - - - - - - - - d. Doubtful

e. Macet 1 2 2 5 - 2 2 2 2 2 - 4 2 1 1 1 1 1 e. Loss


Bank Lain (Nominal) 1 5 5 5 - 2 2 2 4 2 8 6 3 3 6 2 3 4


(Nominal)

IndicatorIndikator

Tabel 1.34 Aset Produktif BUSN Non Devisa dan Kualitas Kredit BUSN Non Devisa kepada Bank Lain

(Earning Asset of Non Foreign Exchange Banks and Credit Quality of Non Foreign Exchange Banks to Other Bank)Miliar Rp (Billion Rp)

2013 20142012









tertentu)















37


2015





c. Kurang Lancar 945 1.459 1.563 1.496 1.052 1.507 1.485 1.312 2.260 2.388 1.686 1.071 959 863 1.182 1.233 785 907 c. Sub-Standard

d. Diragukan 637 924 908 1.053 987 859 1.012 1.292 1.065 1.215 1.668 1.711 1.676 1.359 1.228 1.276 1.378 1.139 d. Doubtful

e. Macet 3.532 4.973 5.339 5.341 5.598 5.334 5.505 5.737 6.244 6.733 6.540 7.744 8.224 7.931 7.956 8.549 8.497 9.098 e. Loss









e. Macet 44 112 96 98 118 113 123 141 197 184 172 176 217 178 146 165 140 151 e. Loss


(Nominal) 5.195 7.488 7.931 8.020 7.784 7.837 8.152 8.508 9.838 10.638 10.163 10.792 11.122 10.376 10.570 11.256 10.829 11.313


(Nominal)

Kredit kepada Bank Lain 357 656 664 671 709 698 665 727 734 791 883 901 914 878 913 939 970 949 Interbank Loans

a. Lancar 357 656 664 670 708 697 664 726 732 780 882 897 913 878 911 938 970 948 a. Current

b. DPK - 0 - - - - - - 1 10 1 3 0 0 1 0 0 1 b. Special Mention

c. Kurang Lancar - - - 1 1 1 1 - - - - - - - - - - - c. Sub-Standard

d. Diragukan - - - - - - - 1 1 - - - - - 0 - - - d. Doubtful

e. Macet - - - - - - - - - 1 0 1 1 1 1 1 0 0 e. Loss


Bank Lain (Nominal) - - - 1 1 1 1 1 1 1 0 1 1 1 1 1 0 0


(Nominal)

Tabel 1.35 Aset Produktif BPD dan Kualitas Kredit BPD kepada Bank Lain

(Earning Asset of Regional Development Banks and Credit Quality of Regional Development Banks to Other Bank)Miliar Rp (Billion Rp)

20142012

2013IndicatorIndikator









tertentu)















38


2015





c. Kurang Lancar 540 754 373 276 376 320 247 444 693 1.167 1.276 937 749 962 1.044 982 982 1.554 c. Sub-Standard

d. Diragukan 482 400 905 989 983 1.029 1.033 912 893 1.189 1.415 1.492 1.622 1.434 1.308 1.401 1.401 663 d. Doubtful

e. Macet 1.346 1.047 1.015 1.033 1.097 1.118 1.005 1.106 1.116 1.130 1.152 1.321 1.237 1.500 1.467 1.411 1.411 2.299 e. Loss




Administrative Transactions





e. Macet 34 0 0 0 22 22 25 25 3 3 3 7 0 20 19 20 20 1 e. Loss


(Nominal)2.495 2.365 2.459 2.393 2.601 2.553 2.366 2.532 2.749 3.553 3.909 3.839 3.694 3.993 3.909 3.888 3.888 4.581


(Nominal)

Kredit kepada Bank Lain 4 76r)

74 68 152 142 135 139 123 117 113 115 100 104 86 388 388 391 Interbank Loans

a. Lancar 4 76r)

74 68 152 142 135 139 123 117 113 115 100 104 86 388 388 391 a. Current

b. DPK - - - - - - - - - - - - - - - - - - b. Special Mention

c. Kurang Lancar - - - - - - - - - - - - - - - - - - c. Sub-Standard


e. Macet - - - - - - - - - - - - - - - - - - e. Loss


Bank Lain (Nominal) - - - - - - - - - - - - - - - - - -


(Nominal)

2014

Tabel 1.36 Aset Produktif Bank Campuran dan Kualitas Kredit Bank Campuran kepada Bank Lain

(Earning Assets of Joint Venture Banks and Credit Quality of Joint Venture Banks to Other Bank)Miliar Rp (Billion Rp)

2013Indikator 2012 Indicator









tertentu)















39


2015





c. Kurang Lancar 833 1.061 959 1.132 1.319 1.057 1.889 3.342 1.836 1.686 1.758 1.749 1.435 2.029 1.897 1.648 1.648 1.615 c. Sub-Standard

d. Diragukan 1.184 1.301 1.338 1.355 1.354 1.188 1.200 467 482 458 457 470 469 590 624 668 668 517 d. Doubtful

e. Macet 1.700 1.864 2.028 2.064 1.732 1.931 1.931 1.534 1.550 1.544 1.548 1.535 1.361 1.392 1.371 1.371 1.371 1.547 e. Loss







c. Kurang Lancar 409 170 188 395 259 483 414 529 327 430 649 591 474 612 1.203 1.432 1.432 1.453 c. Sub-Standard


e. Macet 40 27 33 31 31 32 33 23 20 19 12 19 17 18 19 19 19 18 e. Loss


(Nominal) 4.181 4.441 4.594 5.027 4.768 4.840 5.590 5.928 4.340 4.253 4.532 4.490 3.872 4.781 5.358 5.274 5.274 5.335


(Nominal)



b. DPK - - - - - - - - - - - - - - - - - - b. Special Mention

c. Kurang Lancar - - - - - - - - - - - - - - - - - - c. Sub-Standard


e. Macet - - - - - - - - - - - - - - - - - - e. Loss


Bank Lain (Nominal) - - - - - - - - - - - - - - - - - -


(Nominal)


**) Very provisional figures

***) Estimated figures***) Angka-angka sangat-sangat

Indikator2013 2014

2012

**) Angka-angka sangat sementara

Indicator


Tabel 1.37 Aset Produktif Bank Asing dan Kualitas Kredit Bank Asing kepada Bank Lain

(Earning Assets of Foreign Owned Banks and Credit Quality of Foreign Owned Banks to Other Bank)Miliar Rp (Billion Rp)









tertentu)















40


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

Giro 465.222 23,85 535.855 22,91 652.708 23,44 767.070 23,78 846.781 23,11 814.099 22,65 889.586 21,62 891.867 21,72 Demand Deposits

Rupiah 332.198 17,03 383.808 16,41 485.716 17,44 567.801 17,61 569.927 15,55 542.201 15,08 605.276 14,71 593.865 14,46 Rupiah

Valas 133.024 6,82 152.047 6,50 166.992 6,00 199.270 6,18 276.854 7,56 271.898 7,56 284.309 6,91 298.001 7,26 Foreign Exchange

Tabungan 585.707 30,03 733.157 31,35 898.245 32,25 1.076.830 33,39 1.212.707 33,10 1.175.885 32,71 1.284.458 31,22 1.223.513 29,80 Saving

Rupiah 544.411 27,91 678.621 29,02 840.063 30,16 1.010.488 31,33 1.123.696 30,67 1.086.970 30,24 1.187.559 28,86 1.125.918 27,42 Rupiah


Simpanan Berjangka 899.783 46,13 1.069.811 45,74 1.234.072 44,31 1.381.298 42,83 1.604.480 43,79 1.604.713 44,64 1.940.376 47,16 1.990.978 48,49 Time Deposits

Rupiah 761.844 39,05 928.089 39,68 1.072.770 38,52 1.179.242 36,56 1.331.527 36,34 1.344.758 37,41 1.641.743 39,90 1.681.754 40,95 Rupiah


- Jangka Waktu 1 bulan - - Periode 1 Month

Rupiah - - - - 673.312 24,18 677.030 20,99 814.742 22,24 815.724 22,69 925.812 22,50 938.474 22,85 Rupiah

Valas - - - - 110.978 3,98 128.829 3,99 172.312 4,70 160.748 4,47 162.363 3,95 164.936 4,02 Foreign Exchange


Rupiah - - - - 222.071 7,97 251.926 7,81 264.156 7,21 281.258 7,82 374.111 9,09 393.150 9,57 Rupiah



Rupiah - - - - 90.412 3,25 125.555 3,89 120.795 3,30 121.650 3,38 149.345 3,63 152.200 3,71 Rupiah


- Jangka Waktu >= 12 bulan - - Periode >= 12 Month

Rupiah - - - - 86.975 3,11 124.731 3,87 131.834 3,60 126.125 3,51 192.350 4,68 197.669 4,81 Rupiah


Total DPK 1.950.712 100,00 2.338.824 100,00 2.785.024 100,00 3.225.198 100,00 3.663.968 100,00 3.594.697 100,00 4.114.420 100,00 4.106.358 100,00 Total Third Party Funds

Rupiah 1.638.454 83,99 1.990.518 85,11 2.398.549 86,12 2.757.530 85,50 3.025.150 82,56 2.973.929 82,73 3.434.579 83,48 3.401.537 82,84 Rupiah


Januari 2015

Nominal

Desember 2014

Nominal

Desember 2010

Nominal Nominal Nominal

Desember 2012

Nominal

Tabel 1.38 Komposisi Dana Pihak Ketiga Bank Umum

(Composition of Third Party Funds of State Owned Banks)Miliar Rp (Billion Rp)

Keterangan

Desember 2011

Items

Desember 2009 Desember 2013 Januari 2014

Nominal Nominal

41


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)


Rupiah 136.512 17,43 152.770 17,00 190.600 18,34 206.540 17,19 200.001 14,67 177.051 13,72 214.126 13,53 185.864 12,12 Rupiah


Tabungan 278.581 35,56 323.767 36,04 395.372 38,04 483.022 40,21 555.319 40,74 530.699 41,12 601.858 38,03 561.013 36,59 Saving

Rupiah 268.894 34,32 311.891 34,72 383.292 36,88 467.656 38,93 533.277 39,12 508.527 39,40 572.294 36,16 533.076 34,76 Rupiah


Simpanan Berjangka 332.201 42,41 380.106 42,31 401.027 38,59 446.113 37,14 507.687 37,25 488.161 37,82 662.370 41,86 678.048 44,22 Time Deposits

Rupiah 274.965 35,10 328.677 36,58 350.866 33,76 378.829 31,54 420.785 30,87 415.624 32,20 566.153 35,78 577.781 37,68 Rupiah



Rupiah - - - - 229.284 22,06 223.177 18,58 245.364 18,00 239.605 18,56 297.812 18,82 300.279 19,58 Rupiah



Rupiah - - - - 62.782 6,04 71.970 5,99 74.076 5,43 77.642 6,02 137.470 8,69 146.262 9,54 Rupiah



Rupiah - - - - 19.550 1,88 32.208 2,68 33.634 2,47 34.974 2,71 43.608 2,76 42.987 2,80 Rupiah



Rupiah - - - - 39.250 3,78 51.475 4,28 67.710 4,97 63.404 4,91 87.264 5,51 88.012 5,74 Rupiah


Total DPK 783.384 100,00 898.405 100,00 1.039.253 100,00 1.201.284 100,00 1.363.062 100,00 1.290.656 100,00 1.582.488 100,00 1.533.382 100,00 Total Third Party Funds

Rupiah 680.371 86,85 793.338 88,31 924.759 88,98 1.053.025 87,66 1.154.063 84,67 1.101.202 85,32 1.352.573 85,47 1.296.721 84,57 Rupiah


Januari 2015

Nominal

Desember 2014

NominalNominal Nominal

Desember 2009 Desember 2010 Desember 2011

ItemsNominal

Desember 2012

Nominal

Desember 2013 Januari 2014

Nominal NominalKeterangan

Tabel 1.39 Komposisi Dana Pihak Ketiga Bank Persero

(Composition of Third Party Funds of State Owned Banks)Miliar Rp (Billion Rp)

42


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)


Rupiah 104.102 13,33 133.895 13,73 166.221 14,17 198.251 14,65 204.067 13,15 195.469 12,67 212.135 12,25 213.558 12,26 Rupiah


Tabungan 254.350 32,56 316.054 32,41 388.030 33,07 461.038 34,07 502.864 32,39 500.210 32,43 522.792 30,20 513.214 29,47 Saving

Rupiah 238.632 30,55 294.034 30,15 363.575 30,99 433.712 32,05 463.249 29,84 460.675 29,87 483.010 27,90 472.601 27,14 Rupiah



Rupiah 326.063 41,75 407.603 41,79 490.904 41,84 541.950 40,05 629.323 40,54 631.931 40,97 742.631 42,90 754.480 43,33 Rupiah


- Jangka Waktu 1 bulan - - - Periode 1 Month

Rupiah - - - - 307.839 26,24 320.362 23,68 408.004 26,28 407.375 26,41 455.492 26,31 453.570 26,05 Rupiah



Rupiah - - - - 107.755 9,18 127.361 9,41 130.349 8,40 135.240 8,77 166.425 9,61 175.456 10,08 Rupiah



Rupiah - - - - 39.826 3,39 54.242 4,01 49.986 3,22 49.632 3,22 59.592 3,44 60.712 3,49 Rupiah



Rupiah - - - - 35.483 3,02 39.985 2,95 40.984 2,64 39.684 2,57 61.097 3,53 64.741 3,72 Rupiah


Total DPK 781.072 100,00 975.308 100,00 1.173.297 100,00 1.353.149 100,00 1.552.385 100,00 1.542.429 100,00 1.731.019 100,00 1.741.262 100,00 Total Third Party Funds

Rupiah 668.798 85,63 835.532 85,67 1.020.700 86,99 1.173.913 86,75 1.296.639 83,53 1.288.074 83,51 1.437.776 83,06 1.440.640 82,74 Rupiah


Januari 2015

Nominal

Desember 2014

NominalNominal Nominal

Desember 2012

Nominal

Desember 2009 Desember 2010 Desember 2013 Januari 2014

Nominal Nominal

Tabel 1.40 Komposisi Dana Pihak Ketiga BUSN Devisa

(Composition of Third Party Funds of Foreign Exchange Commercial Banks)Miliar Rp (Billion Rp)

Keterangan

Desember 2011

ItemsNominal

43


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)


Rupiah 2.183 4,96 2.745 4,66 3.634 4,37 5.074 4,86 5.844 4,76 5.136 4,27 7.056 5,00 6.514 4,71 Rupiah

Valas 0 0,00 - - - - - - - - - - - - - - Foreign Exchange

Tabungan 4.161 9,46 6.178 10,48 10.281 12,37 12.794 12,26 14.402 11,72 14.366 11,95 16.422 11,64 16.242 11,74 Saving

Rupiah 4.161 9,46 6.178 10,48 10.281 12,37 12.794 12,26 14.402 11,72 14.366 11,95 16.422 11,64 16.242 11,74 Rupiah

Valas - - - - - - - - - - - - - - - - Foreign Exchange


Rupiah 37.635 85,57 50.026 84,86 69.180 83,25 86.478 82,88 102.636 83,52 100.726 83,78 117.549 83,35 115.534 83,55 Rupiah

Valas 0 0,00 - - - - - - - - - - - - - - Foreign Exchange


Rupiah - - - - 36.567 44,01 43.915 42,09 61.923 50,39 58.845 48,94 64.013 45,39 61.964 44,81 Rupiah


- Jangka Waktu 3 bulan 0 - Periode 3 Month

Rupiah - - - - 18.991 22,86 22.133 21,21 24.123 19,63 25.143 20,91 28.290 20,06 27.001 19,52 Rupiah



Rupiah - - - - 11.284 13,58 15.658 15,01 12.534 10,20 12.393 10,31 16.041 11,37 16.818 12,16 Rupiah



Rupiah - - - - 2.337 2,81 4.771 4,57 4.056 3,30 4.345 3,61 9.123 6,47 9.751 7,05 Rupiah


Total DPK 43.980 100,00 58.950 100,00 83.095 100,00 104.346 100,00 122.883 100,00 120.228 100,00 141.027 100,00 138.289 100,00 Total Third Party Funds

Rupiah 43.979 100,00 58.950 100,00 83.095 100,00 104.346 100,00 122.883 100,00 120.228 100,00 141.027 100,00 138.289 100,00 Rupiah


Januari 2015

Nominal

Desember 2014

NominalNominalNominal Nominal

Desember 2012Desember 2010

ItemsKeteranganNominal

Desember 2009 Desember 2011

Tabel 1.41 Komposisi Dana Pihak Ketiga BUSN Non Devisa

(Composition of Third Party Funds of Non-Foreign Exchange Commercial Banks)Miliar Rp (Billion Rp)


Nominal Nominal

44


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)


Rupiah 63.553 41,74 61.725 33,61 88.094 37,43 112.715 40,47 106.398 36,98 113.565 37,73 120.531 35,88 134.570 37,86 Rupiah

Valas 294 0,19 471 0,26 362 0,15 238 0,09 673 0,23 524 0,17 368 0,11 371 0,10 Foreign Exchange

Tabungan 43.728 28,72 53.614 29,20 67.338 28,61 79.968 28,71 95.827 33,31 86.063 28,60 100.949 30,05 87.666 24,66 Saving

Rupiah 43.724 28,72 53.595 29,19 67.318 28,60 79.938 28,70 95.786 33,29 86.021 28,58 100.903 30,03 87.629 24,65 Rupiah



Rupiah 44.148 29,00 67.365 36,69 78.767 33,47 84.903 30,48 83.838 29,14 99.825 33,17 113.270 33,72 131.879 37,10 Rupiah



Rupiah - - - - 46.523 19,77 37.513 13,47 40.872 14,21 52.993 17,61 53.562 15,94 69.364 19,52 Rupiah

Valas - - - - 673 0,29 468 0,17 854 0,30 865 0,29 795 0,24 899 0,25 Foreign Exchange


Rupiah - - - - 14.335 6,09 12.214 4,39 12.263 4,26 16.862 5,60 19.129 5,69 18.987 5,34 Rupiah



Rupiah - - - - 12.559 5,34 13.495 4,84 16.389 5,70 15.665 5,20 15.889 4,73 17.140 4,82 Rupiah



Rupiah - - - - 5.349 2,27 21.682 7,78 14.314 0,01 14.306 4,75 24.670 7,34 26.368 7,42 Rupiah



Rupiah 151.425 99,46 182.685 99,49 234.179 99,50 277.555 99,65 286.021 99,41 299.412 99,48 334.704 99,63 354.079 99,62 Rupiah

Valas 826 0,54 939 0,51 1.169 0,50 980 0,35 1.688 0,59 1.552 0,52 1.253 0,37 1.351 0,38 Foreign Exchange

Januari 2015

Nominal

Desember 2014

Nominal


Nominal NominalKeterangan

Desember 2011

ItemsNominal

Desember 2012

Nominal

Tabel 1.42 Komposisi Dana Pihak Ketiga BPD

(Composition of Third Party Funds of Regional Development Banks)Miliar Rp (Billion Rp)


Nominal Nominal

45


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)


Rupiah 7.136 7,53 7.984 8,13 9.485 8,43 12.226 9,23 16.744 10,18 15.966 9,77 13.334 8,91 13.158 8,77 Rupiah


Tabungan 7.418 7,83 14.507 14,78 18.503 16,44 19.292 14,57 23.245 14,13 23.451 14,35 20.925 13,98 22.121 14,74 Saving

Rupiah 3.983 4,20 6.156 6,27 8.402 7,47 8.529 6,44 10.268 6,24 10.626 6,50 7.548 5,04 7.762 5,17 Rupiah



Rupiah 43.203 45,59 40.151 40,90 44.532 39,57 47.948 36,20 53.835 32,72 53.220 32,57 58.079 38,81 58.176 38,78 Rupiah



Rupiah - - - - 27.920 24,81 26.748 20,19 33.557 20,40 30.358 18,58 33.116 22,13 32.241 21,49 Rupiah



Rupiah - - - - 8.971 7,97 9.285 7,01 11.791 7,17 14.179 8,68 11.066 7,39 13.369 8,91 Rupiah



Rupiah - - - - 4.539 4,03 6.842 5,17 5.146 3,13 5.653 3,46 6.746 4,51 6.950 4,63 Rupiah



Rupiah - - - - 3.102 2,76 5.073 3,83 3.341 2,03 3.030 1,85 7.152 4,78 5.616 3,74 Rupiah



Rupiah 54.321 57,32 54.292 55,31 62.418 55,46 68.704 51,87 80.847 49,14 79.812 48,84 78.962 52,76 79.096 52,72 Rupiah


Januari 2015

Nominal

Desember 2014

Nominal


Nominal Nominal

Desember 2011

ItemsNominal

Desember 2012

Nominal

Tabel 1.43 Komposisi Dana Pihak Ketiga Bank Campuran

(Composition of Third Party Funds of Joint Venture Banks)Miliar Rp (Billion Rp)

Keterangan


Nominal Nominal

46


Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

Komposisi thd

Total DPK (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)

(Composition to

Total Third Party

Funds) (%)


Rupiah 19.242 16,36 24.689 19,85 27.683 19,56 32.996 21,23 36.873 21,27 35.014 19,78 38.094 21,86 40.202 21,39 Rupiah


Tabungan 17.203 14,63 19.038 15,31 18.721 13,23 20.715 13,33 21.050 12,14 21.098 11,92 21.511 12,34 23.258 12,37 Saving

Rupiah 6.222 5,29 6.768 5,44 7.195 5,09 7.858 5,06 6.713 3,87 6.754 3,82 7.382 4,24 8.607 4,58 Rupiah



Rupiah 32.267 27,44 34.265 27,55 38.522 27,23 39.133 25,18 41.111 23,71 43.432 24,53 44.062 25,28 43.905 23,36 Rupiah



Rupiah - - - - 25.177 17,79 25.315 16,29 25.022 14,43 26.549 15,00 21.817 12,52 21.056 11,20 Rupiah



Rupiah - - - - 9.237 6,53 8.962 5,77 11.553 6,66 12.193 6,89 11.731 6,73 12.075 6,42 Rupiah



Rupiah - - - - 2.654 1,88 3.110 2,00 3.107 1,79 3.334 1,88 7.470 4,29 7.592 4,04 Rupiah



Rupiah - - - - 1.453 1,03 1.746 1,12 1.429 0,82 1.356 0,77 3.043 1,75 3.182 1,69 Rupiah

Valas - - - - 670 0,47 583 0,38 651 0,38 681 0,38 1.779 1,02 1.848 0,98 Foreign Exchange


Rupiah 57.731 49,09 65.722 52,84 73.399 51,88 79.987 51,46 84.697 48,85 85.201 48,13 89.537 51,38 92.713 49,32 Rupiah


Januari 2015

Nominal

Desember 2014

Nominal


Nominal Nominal

Desember 2012

NominalKeterangan

Desember 2011

Tabel 1.44 Komposisi Dana Pihak Ketiga Bank Asing

(Composition of Third Party Funds of Foreign Owned Banks)Miliar Rp (Billion Rp)

ItemsNominal


Nominal Nominal

47


RupiahValas (Foreign

Exchange)Rupiah

Valas (Foreign Exchange)

RupiahValas (Foreign

Exchange)Rupiah

Valas (Foreign Exchange)

Total

1. Jawa Barat 46.704 10.404 127.885 6.627 124.457 11.849 299.046 28.879 327.925 7,99 1. Jawa Barat

2. Banten 22.605 5.880 37.096 2.026 43.896 3.460 103.597 11.366 114.963 2,80 2. Banten

3. DKI Jakarta 291.044 240.189 292.310 58.526 997.301 238.795 1.580.654 537.510 2.118.164 51,58 3. DKI Jakarta

4. D.I Yogyakarta 4.867 407 21.216 619 13.689 450 39.772 1.476 41.248 1,00 4. D.I Yogyakarta

5. Jawa Tengah 23.440 2.954 89.670 3.031 62.511 5.148 175.621 11.134 186.755 4,55 5. Jawa Tengah

6. Jawa Timur 50.522 11.455 148.408 8.637 144.997 17.012 343.927 37.104 381.031 9,28 6. Jawa Timur

7. Bengkulu 1.994 47 4.532 27 2.129 21 8.654 95 8.749 0,21 7. Bengkulu

8. Jambi 3.054 262 10.871 268 7.134 120 21.059 651 21.710 0,53 8. Jambi

9. Aceh 5.219 82 13.376 125 6.989 202 25.584 409 25.993 0,63 9. Aceh

10. Sumatera Utara 21.044 4.063 62.376 3.633 69.642 16.067 153.063 23.763 176.826 4,31 10. Sumatera Utara

11. Sumatera Barat 5.391 355 13.919 268 10.175 324 29.485 948 30.433 0,74 11. Sumatera Barat

12. Riau 11.637 1.005 27.357 697 21.025 489 60.019 2.190 62.209 1,51 12. Riau

14. Sumatera Selatan 6.291 1.809 23.528 626 21.729 1.325 51.549 3.760 55.309 1,35 14. Sumatera Selatan

15. Bangka Belitung 1.657 118 6.700 145 4.402 173 12.759 436 13.195 0,32 15. Bangka Belitung

13. Kepulauan Riau 5.729 6.188 13.538 2.703 7.693 2.397 26.959 11.288 38.247 0,93 13. Kepulauan Riau

16. Lampung 5.327 283 14.467 409 7.409 242 27.202 934 28.137 0,69 16. Lampung

17. Kalimantan Selatan 7.521 718 18.507 397 9.018 267 35.046 1.382 36.428 0,89 17. Kalimantan Selatan

18. Kalimantan Barat 5.333 495 20.149 489 12.338 188 37.820 1.172 38.992 0,95 18. Kalimantan Barat

19. Kalimantan Timur 16.127 2.798 35.169 2.099 26.545 3.385 77.841 8.281 86.122 2,10 19. Kalimantan Timur

20. Kalimantan Tengah 4.424 165 8.743 53 4.136 93 17.303 311 17.614 0,43 20. Kalimantan Tengah

21. Sulawesi Tengah 2.736 41 7.031 54 3.182 25 12.949 120 13.068 0,32 21. Sulawesi Tengah

22. Sulawesi Selatan 8.638 838 34.309 625 20.642 981 63.590 2.443 66.033 1,61 22. Sulawesi Selatan

23. Sulawesi Utara 2.944 186 8.537 570 7.247 250 18.728 1.007 19.734 0,48 23. Sulawesi Utara

24. Gorontalo 752 1 1.814 17 1.073 36 3.639 54 3.693 0,09 24. Gorontalo

25. Sulawesi Barat 982 0 1.995 1 274 1 3.251 1 3.252 0,08 25. Sulawesi Barat

26. Sulawesi Tenggara 2.731 20 6.263 62 2.585 17 11.578 99 11.677 0,28 26. Sulawesi Tenggara

27. Nusa Tenggara Barat 2.533 58 8.842 180 5.241 55 16.616 293 16.909 0,41 27. Nusa Tenggara Barat

28. Bali 9.627 2.665 29.940 2.902 24.437 862 64.004 6.429 70.433 1,72 28. Bali

29. Nusa Tenggara Timur 4.607 30 9.534 86 4.747 35 18.887 151 19.037 0,46 29. Nusa Tenggara Timur

30. Maluku 2.334 47 4.951 64 3.307 55 10.592 166 10.758 0,26 30. Maluku

31. Papua 10.279 269 14.964 205 8.162 211 33.405 685 34.091 0,83 31. Papua

32. Maluku Utara 1.130 49 3.146 17 1.132 15 5.408 81 5.489 0,13 32. Maluku Utara

33. Papua Barat 4.625 18 4.745 83 2.482 45 11.852 147 11.999 0,29 33. Papua Barat

34. Lainnya 17 4.101 29 1.324 30 4.632 77 10.056 10.133 0,25 34. Lainnya

593.865 298.001 1.125.918 97.595 1.681.754 309.224 3.401.537 704.821 4.106.358 100

Total DPK

(Total Third Party Funds)Pangsa Thd Total

DPK (%)

(Portion to Total Third Party (%)

Location

Total Total

Tabel 1.45 Komposisi DPK Bank Umum Berdasarkan Lokasi Penghimpunan Dana Januari 2015

(Composition of Third Party Funds of Commercial Banks Based on Location - January 2015) Miliar Rp (Billion Rp)

Lokasi

Giro

(Demand Deposits)Tabungan

(Saving Deposits)Deposito

(Time Deposits)

48


2015


1. Jawa Barat262.433 290.483 288.858 292.379 300.671 294.968 295.809 295.610 312.220 307.020 317.542 312.815 319.379 324.362 321.211 326.006 332.474 327.925

1. Jawa Barat

2. Banten88.496 101.458 100.998 100.665 105.532 104.964 108.104 111.463 112.798 113.167 115.260 115.286 115.465 117.836 116.716 117.182 121.613 114.963

2. Banten

3. DKI Jakarta1.629.585 1.769.512 1.776.536 1.796.490 1.860.446 1.805.368 1.807.808 1.820.117 1.851.159 1.906.685 1.913.072 1.909.016 1.933.635 2.000.299 2.026.308 2.052.573 2.100.489 2.118.164

3. DKI Jakarta

4. D.I Yogyakarta32.501 36.087 36.188 36.678 37.073 37.116 37.309 37.529 37.983 38.211 38.982 38.701 39.525 40.590 41.123 41.151 41.483 41.248

4. D.I Yogyakarta

5. Jawa Tengah145.257 162.827 160.723 164.096 167.398 165.445 167.353 168.737 172.626 173.434 178.421 175.257 179.789 185.791 185.484 189.400 188.114 186.755

5. Jawa Tengah

6. Jawa Timur292.224 317.370 315.772 324.152 335.308 333.362 333.588 332.446 338.059 340.315 350.744 349.804 359.351 371.458 374.079 376.480 383.290 381.031

6. Jawa Timur

7. Bengkulu7.368 8.379 8.229 8.222 7.680 7.841 7.908 7.997 8.435 8.551 8.939 8.297 8.569 9.255 9.209 9.165 8.556 8.749

7. Bengkulu

8. Jambi17.945 19.521 19.478 19.378 19.415 19.667 19.834 20.069 20.442 21.072 22.307 21.192 21.589 22.527 22.325 22.444 21.965 21.710

8. Jambi

9. Aceh 21.969 26.141 25.092 26.211 24.263 23.701 23.544 23.234 25.719 25.415 26.236 23.989 27.314 28.124 29.001 28.066 26.694 25.993

9. Aceh

10. Sumatera Utara139.259 147.985 146.517 147.898 155.204 156.039 156.675 157.493 160.206 163.019 166.571 163.082 166.285 173.857 172.508 177.726 178.653 176.826

10. Sumatera Utara

11. Sumatera Barat25.623 26.780 26.977 27.070 26.281 26.639 27.076 27.487 28.191 28.428 29.548 28.332 29.608 31.141 30.956 30.994 29.985 30.433

11. Sumatera Barat

12. Riau52.243 56.878 56.425 55.581 55.524 54.279 54.201 54.466 54.267 56.719 60.795 58.819 59.302 63.384 61.867 61.105 64.143 62.209

12. Riau

13. Sumatera Selatan*)54.244 53.833 53.226 52.833 53.688 52.808 52.798 52.315 52.684 53.021 55.629 54.090 54.675 56.994 56.308 55.798 57.225 55.309

13. Sumatera Selatan

14. Bangka Belitung12.172 12.693 12.424 12.310 11.828 12.063 12.336 12.239 12.422 12.944 13.286 12.751 13.062 13.433 13.351 13.066 13.145 13.195

14. Bangka Belitung

15. Kepulauan Riau*)28.804 35.589 35.235 36.243 38.392 37.739 37.402 36.701 37.859 37.765 39.798 37.962 38.592 40.019 39.081 39.354 39.455 38.247

15. Kepulauan Riau

16. Lampung22.612 25.525 25.892 26.118 25.642 25.609 25.753 25.854 26.716 26.756 28.358 26.432 27.336 28.752 28.597 29.067 28.640 28.137

16. Lampung

17. Kalimantan Selatan34.118 36.299 36.011 36.117 36.447 36.606 36.869 36.503 36.917 37.606 38.908 37.464 37.356 39.248 38.373 38.115 37.494 36.428

17. Kalimantan Selatan

18. Kalimantan Barat32.000 34.720 34.831 35.466 36.273 35.920 36.254 36.407 37.432 37.671 38.648 37.481 38.461 39.648 39.050 40.184 39.500 38.992

18. Kalimantan Barat

19. Kalimantan Timur79.992 88.869 86.432 85.001 85.407 82.326 80.807 80.152 78.765 83.051 87.680 84.481 84.003 91.245 88.056 86.132 89.468 86.122

19. Kalimantan Timur

20. Kalimantan Tengah14.285 16.738 16.534 16.245 16.023 16.003 16.139 16.575 16.785 17.376 18.495 17.390 17.461 18.678 18.478 18.554 16.771 17.614

20. Kalimantan Tengah

21. Sulawesi Tengah10.022 11.364 11.273 11.280 11.330 11.498 11.672 11.877 12.190 12.236 12.676 11.660 12.167 13.027 12.929 13.235 12.938 13.068

21. Sulawesi Tengah

22. Sulawesi Selatan54.453 58.924 58.841 59.753 61.163 60.292 60.287 59.902 61.265 61.069 63.325 61.840 63.366 66.220 66.412 67.601 67.026 66.033

22. Sulawesi Selatan

23. Sulawesi Utara16.407 17.626 17.537 17.720 17.481 17.638 17.681 17.891 18.405 18.628 19.455 18.513 19.100 19.918 19.651 20.130 19.671 19.734

23. Sulawesi Utara

24. Gorontalo*)2.990 3.361 3.340 3.331 3.100 3.288 3.338 3.412 3.572 3.503 3.633 3.294 3.581 3.784 3.766 3.737 3.489 3.693

24. Gorontalo

25. Sulawesi Barat*)2.585 3.065 3.129 3.185 2.868 3.016 2.987 2.991 3.121 3.198 3.270 2.950 2.906 3.384 3.452 3.376 2.990 3.252

25. Sulawesi Barat

26. Sulawesi Tenggara*)9.870 11.284 11.502 11.665 11.033 11.311 11.559 11.502 11.890 11.850 12.166 11.333 12.045 12.440 12.394 12.244 11.476 11.677

26. Sulawesi Tenggara

27. Nusa Tenggara Barat12.734 14.318 14.442 14.648 14.445 14.607 14.430 14.451 15.255 15.276 15.936 15.252 15.816 16.561 16.949 17.239 16.798 16.909

27. Nusa Tenggara Barat

28. Bali54.948 62.259 62.329 63.616 64.234 64.223 64.339 63.896 64.878 64.996 66.500 66.300 68.595 70.536 70.733 71.678 70.510 70.433

28. Bali

29. Nusa Tenggara Timur14.884 15.923 16.251 16.694 16.402 16.924 16.940 17.078 17.806 17.847 18.791 17.838 18.723 19.092 19.095 19.490 18.571 19.037

29. Nusa Tenggara Timur

30. Maluku 8.340 9.061 9.076 9.359 9.379 9.613 9.549 9.533 9.675 9.971 10.243 9.761 10.365 10.827 10.645 11.052 10.509 10.758

30. Maluku

31. Papua27.148 30.065 29.567 30.255 29.424 29.322 29.377 29.047 31.400 31.887 32.670 30.841 32.696 36.141 35.350 34.570 33.717 34.091

31. Papua

32. Maluku Utara4.425 4.923 4.823 5.012 4.831 5.203 5.086 5.080 5.093 5.143 5.356 4.836 5.157 5.572 5.458 5.387 5.217 5.489

32. Maluku Utara

33. Papua Barat8.284 10.474 10.176 10.091 10.906 10.649 10.288 10.134 10.060 10.363 11.535 10.530 11.581 12.268 12.507 12.176 12.385 11.999

33. Papua Barat

34. Lainnya4.976 5.856 6.228 7.602 8.876 8.650 8.519 7.875 8.468 9.283 9.725 9.462 9.031 9.391 9.944 10.202 9.968 10.133

34. Others

Total 3.225.198 3.526.188 3.520.890 3.563.362 3.663.968 3.594.697 3.603.620 3.618.061 3.694.765 3.763.474 3.834.503 3.787.052 3.855.886 3.995.803 4.011.368 4.054.680 4.114.420 4.106.358 Total

Location

Tabel 1.46 Penghimpunan DPK Bank Umum Berdasarkan Lokasi Bank Penghimpun Dana

(Third Party Funds of Commercial Banks Based on Location of Deposits)Miliar Rp (Billion Rp)

Lokasi

2013 2014

2012

49


2015


Giro Demand Deposits

Rupiah 2,12 2,15 2,16 2,15 2,12 2,12 2,18 2,23 2,21 2,30 2,32 2,18 2,34 2,39 2,41 2,41 2,31 2,36 - Rupiah

Valas 0,37 0,38 0,36 0,38 0,42 0,38 0,37 0,37 0,38 0,39 0,36 0,38 0,41 0,41 0,44 0,41 0,46 0,40 - Foreign Exchange

Tabungan Saving

Rupiah 1,91 1,99 1,98 1,98 2,01 2,00 2,00 2,00 2,01 1,88 1,88 1,86 2,00 2,03 2,02 2,03 2,02 1,99 - Rupiah


Simpanan Berjangka Time Deposits

- Simpanan Berjangka 1 bln - 1 Month Time Deposits

Rupiah 5,59 6,67 6,99 7,20 7,72 7,77 7,87 7,96 8,03 8,19 8,34 8,44 8,46 8,48 8,23 8,27 8,56 8,46 Rupiah

Valas 1,57 1,63 1,69 1,76 1,81 1,90 1,92 1,90 1,92 1,80 1,85 1,93 1,96 2,01 1,94 1,91 1,99 2,06 Foreign Exchange


Rupiah 5,90 6,63 7,13 7,53 8,03 8,38 8,58 8,65 8,79 9,06 9,28 9,42 9,52 9,57 9,45 9,26 9,14 9,12 Rupiah



Rupiah 6,04 6,51 6,83 7,07 7,37 7,70 8,07 8,24 8,53 8,86 9,02 9,07 9,16 9,29 9,31 9,16 9,22 9,16 Rupiah


- Simpanan Berjangka >= 12 bln - 12 >= Month Time Deposits

Rupiah 6,05 6,34 6,54 6,95 7,14 7,19 7,33 7,52 7,83 8,18 8,36 8,51 8,74 8,83 8,86 8,70 8,76 8,72 Rupiah


2012

2014

Tabel 1.47 Suku Bunga Rata-rata DPK Bank Umum

(Average of Interest Rate of Third Party Funds of Commercial Banks)Persen (Percent)

Keterangan Items2013

50


2015



Rupiah 2,08 1,92 2,04 1,89 2,00 1,88 2,03 1,95 2,04 2,12 2,16 1,94 1,94 2,00 2,11 2,08 2,13 1,88 - Rupiah


Tabungan Saving

Rupiah 1,59 1,59 1,57 1,57 1,58 1,56 1,57 1,58 1,57 1,57 1,59 1,56 1,57 1,58 1,57 1,58 1,48 1,48 - Rupiah




Rupiah 5,23 6,22 6,52 6,69 7,16 7,22 7,38 7,55 7,72 7,61 7,90 8,08 8,21 8,18 7,73 7,80 8,13 8,11 Rupiah



Rupiah 5,54 6,37 6,80 6,99 7,60 8,05 8,36 8,41 8,55 8,70 9,08 9,36 9,47 9,43 9,19 8,95 8,74 8,80 Rupiah



Rupiah 5,53 6,00 6,39 6,49 6,82 7,09 7,49 7,66 7,83 8,17 8,64 8,85 8,97 9,05 9,06 8,97 8,83 8,67 Rupiah



Rupiah 5,91 6,50 6,67 7,31 7,43 7,39 7,49 7,93 8,09 8,40 8,54 8,74 8,91 9,02 9,02 9,06 9,06 9,04 Rupiah


2012

Tabel 1.48 Suku Bunga Rata-rata DPK Bank Persero

(Average of Interest Rate of Third Party Funds of State Owned Banks)Persen (Percent)

Keterangan

2014

Items2013

51


2015



Rupiah 1,91 1,91 1,88 1,91 1,95 1,96 2,04 2,08 2,00 2,13 2,06 2,08 2,08 2,06 2,09 2,09 2,12 2,12 - Rupiah


Tabungan Saving

Rupiah 2,11 2,33 2,33 2,33 2,40 2,39 2,39 2,38 2,40 2,11 2,09 2,08 2,09 2,11 2,11 2,12 2,22 2,22 - Rupiah




Rupiah 5,69 6,96 7,27 7,48 7,95 8,04 8,14 8,16 8,23 8,54 8,64 8,67 8,66 8,72 8,53 8,60 8,85 8,68 Rupiah



Rupiah 5,86 6,68 7,27 7,70 8,12 8,38 8,50 8,58 8,84 9,25 9,46 9,54 9,67 9,75 9,67 9,44 9,37 9,32 Rupiah



Rupiah 5,75 6,43 6,72 6,96 7,21 7,62 7,91 8,11 8,42 8,80 8,99 9,08 9,23 9,55 9,57 9,23 9,28 9,22 Rupiah



Rupiah 5,48 5,77 6,02 6,21 6,49 6,62 6,78 6,92 7,09 7,47 7,72 7,88 8,12 8,28 8,38 7,90 8,09 8,00 Rupiah


2012Keterangan

2014

Tabel 1.49 Suku Bunga Rata-rata DPK BUSN Devisa

(Average of Interest Rate of Third Party Funds of Foreign Exchange Commercial Banks)Persen (Percent)

Items2013

52


2015



Rupiah 3,25 3,33 3,55 3,33 4,48 3,73 3,78 3,51 3,65 3,99 3,84 3,86 3,80 3,59 3,93 3,70 3,60 3,40 - Rupiah

Valas - - - - - - - - - - - - - - - - - - - Foreign Exchange

Tabungan Saving

Rupiah 3,70 4,41 4,43 4,33 4,33 4,27 4,22 4,23 4,33 4,23 4,33 4,24 3,38 3,15 3,20 3,29 3,23 3,23 - Rupiah

Valas - - - - - - - - - - - - - - - - - - - Foreign Exchange



Rupiah 6,90 7,02 7,29 7,65 8,50 8,27 8,05 8,51 8,14 9,46 9,55 10,00 9,86 9,94 9,45 9,44 9,55 9,55 Rupiah



Rupiah 7,22 7,04 7,31 7,86 8,55 8,91 9,16 9,25 9,15 9,91 9,97 10,17 9,99 10,23 10,23 10,16 9,87 9,89 Rupiah



Rupiah 7,45 7,85 8,14 8,39 8,88 9,28 9,52 9,35 9,98 10,32 10,32 10,32 10,00 9,86 9,72 9,76 9,82 9,89 Rupiah



Rupiah 7,67 7,52 7,66 8,00 8,40 8,68 8,69 6,46 9,02 9,51 9,65 9,66 9,48 9,51 9,55 9,59 9,20 9,30 Rupiah


2012

2014

Tabel 1.50 Suku Bunga Rata-rata DPK BUSN Non Devisa

(Average of Interest Rate of Third Party Funds of Non-Foreign Exchange Commercial Banks)Persen (Percent)

Items2013

Keterangan

53


2015



Rupiah 2,67 2,72 2,67 2,68 2,44 2,72 2,72 2,77 2,74 2,77 2,80 2,69 2,75 2,75 2,73 2,74 2,47 2,78 - Rupiah


Tabungan Saving

Rupiah 2,54 2,30 2,28 2,27 2,31 2,30 2,30 2,36 2,33 2,23 2,22 2,20 2,68 2,21 2,18 2,18 2,18 2,18 - Rupiah




Rupiah 6,08 6,38 6,79 6,91 7,76 7,77 7,97 8,07 8,12 7,71 7,74 7,69 7,78 7,82 7,84 7,80 8,09 8,12 Rupiah



Rupiah 6,57 6,77 7,01 7,37 8,06 8,72 9,01 9,01 8,81 8,58 8,51 8,54 8,64 8,76 8,78 8,81 9,09 9,08 Rupiah



Rupiah 6,76 6,88 7,08 7,42 7,73 7,90 8,49 8,65 8,83 9,25 9,07 8,77 8,90 8,83 8,84 8,73 9,31 9,20 Rupiah



Rupiah 6,96 6,80 7,03 7,13 7,31 7,45 7,72 7,84 8,24 8,46 8,58 8,63 9,02 8,88 8,88 8,88 8,97 8,95 Rupiah


2012

2014

Tabel 1.51 Suku Bunga Rata-rata DPK Bank Pembangunan Daerah

(Average of Interest Rate of Third Party Funds of Regional Development Banks)Persen (Percent)

ItemsKeterangan

2013

54


2015



Rupiah 1,70 1,92 1,94 1,99 1,57 1,51 1,40 2,24 1,81 1,91 1,97 2,23 2,22 2,41 2,36 2,36 2,27 2,33 - Rupiah


Tabungan Saving

Rupiah 2,14 2,10 1,97 1,97 1,92 1,86 2,10 1,90 2,11 2,18 2,11 2,25 2,21 2,79 2,63 2,77 2,77 2,77 - Rupiah




Rupiah 5,66 6,90 7,20 7,49 7,93 7,75 8,06 8,36 8,20 8,20 8,47 8,52 8,27 8,27 8,38 8,16 8,61 8,57 Rupiah



Rupiah 6,17 6,88 7,36 8,01 8,49 8,77 8,84 8,87 9,05 9,12 9,11 9,10 8,95 8,95 9,21 9,18 9,20 9,03 Rupiah



Rupiah 6,64 6,30 6,66 7,23 7,73 8,27 8,73 9,07 9,08 9,21 9,17 9,13 8,98 8,98 9,32 9,40 9,41 9,40 Rupiah



Rupiah 6,76 6,75 6,76 6,80 7,12 7,22 7,33 7,37 7,76 8,27 8,53 8,65 8,83 8,83 9,03 9,11 9,17 9,42 Rupiah


2012

2014


Tabel 1.52 Suku Bunga Rata-rata DPK Bank Campuran

(Average of Interest Rate of Third Party Funds of Joint Venture Banks)Persen (Percent)

55


2015



Rupiah 1,71 1,91 2,40 2,72 2,92 2,21 2,04 2,29 2,09 1,84 2,20 2,11 2,51 2,56 2,34 2,40 2,33 2,33 - Rupiah


Tabungan Saving

Rupiah 1,17 1,14 1,19 1,21 1,16 1,11 1,17 1,19 1,14 1,18 1,12 1,15 1,14 1,13 1,10 1,08 1,09 1,09 - Rupiah




Rupiah 4,52 6,48 6,93 6,99 7,20 7,32 7,50 7,26 7,18 6,88 6,63 7,15 6,86 6,86 6,77 6,64 6,72 6,50 Rupiah



Rupiah 5,06 6,27 7,33 7,94 8,24 8,52 8,71 8,75 8,68 8,65 8,63 8,57 8,59 8,59 8,58 8,59 8,68 8,60 Rupiah



Rupiah 4,90 5,67 6,38 6,72 7,18 7,62 7,99 8,28 8,60 8,71 8,76 8,81 8,90 8,90 9,29 9,44 9,45 9,43 Rupiah



Rupiah 5,70 6,18 6,28 6,24 6,40 6,79 7,13 7,71 8,05 8,41 8,65 8,95 9,05 9,05 9,41 9,53 9,61 9,60 Rupiah


Tabel 1.53 Suku Bunga Rata-rata DPK Bank Asing

(Average of Interest Rate of Third Party Funds of Foreign Owned Banks)Persen (Percent)

20142013

ItemsKeterangan 2012

56


2015

Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des JanPenerima Kredit Lapangan Usaha Credit Recipients Industrial Origin

1. Pertanian, perburuan dan Kehutanan 1. Agricultures, hunting and forestry

Rupiah 11,32 11,41 11,60 11,74 11,78 11,87 11,93 11,93 11,94 11,86 11,92 12,11 12,11 12,14 12,15 12,16 12,14 12,15 Rupiah


2. Perikanan 2. Fisheries

Rupiah 13,37 13,26 13,31 13,37 13,51 13,61 13,80 13,82 13,81 13,75 13,85 13,94 13,99 13,81 13,87 13,87 13,84 13,79 Rupiah


3. Pertambangan dan Penggalian 3. Mining and Quarrying

Rupiah 11,29 11,88 12,07 12,12 11,82 12,22 12,32 12,37 12,37 12,31 12,43 12,80 12,83 12,80 12,62 12,74 12,68 12,55 Rupiah


4. Industri Pengolahan 4. Procesing industry

Rupiah 9,98 10,56 10,73 10,90 11,01 11,11 11,19 11,24 11,31 11,47 11,54 11,63 11,65 11,68 11,69 11,69 11,63 11,61 Rupiah


5. Listrik, gas dan air 5. Electricity, gas and water

Rupiah 8,93 8,75 9,00 8,96 9,59 9,47 9,28 9,56 9,63 9,68 9,98 10,03 10,00 10,12 10,51 10,64 10,60 10,13 Rupiah


6. Konstruksi 6. Construction

Rupiah 11,49 11,66 11,86 11,98 12,08 12,03 12,10 12,16 12,21 12,27 12,44 12,60 12,64 12,70 12,81 12,85 12,88 12,75 Rupiah


7. Perdagangan Besar dan Eceran 7. Big and retail trade

Rupiah 12,67 12,91 12,99 13,14 13,21 13,31 13,33 13,33 13,42 13,62 13,48 13,55 13,62 13,65 13,63 13,64 13,63 13,64 Rupiah


8. Penyediaan akomodasi dan penyediaan makan 8. Provision of accomodation and food supply

Rupiah 12,05 12,18 12,28 12,43 12,55 12,65 12,68 12,69 12,73 13,05 13,12 13,23 13,23 13,23 13,30 13,16 13,18 13,11 Rupiah


9. Transportasi, pergudangan dan komunikasi 9. Transportation, warehousing and communications

Rupiah 10,54 10,65 10,82 10,92 11,08 11,19 11,23 11,26 11,37 11,58 11,72 11,76 11,78 11,74 11,82 11,90 11,87 11,63 Rupiah


10. Perantara Keuangan 10. Transitional Finance

Rupiah 9,69 9,92 10,13 10,35 10,47 10,56 11,38 10,71 10,76 11,18 12,47 12,27 12,39 12,26 12,34 12,19 12,11 12,20 Rupiah


11. Real Estate, Usaha Persewaan, dan Jasa Perusahaan 11. Real estate, Rental Business, and services company

Rupiah 12,12 12,27 12,36 12,39 12,47 12,52 12,55 13,10 12,65 12,20 12,22 12,35 12,40 12,43 12,52 12,63 12,63 12,52 Rupiah


12. Admistrasi Pemerintahan, Pertahanan dan Jaminan

Sosial Wajib

12. Government administration, the defense and

compulsory social security

Rupiah 11,95 11,95 7,52r)

7,55 4,52 7,64 7,65 7,91 11,26 11,04 11,17 10,51 10,52 10,67 11,29 11,40 12,01 11,53 Rupiah


13. Jasa Pendidikan 13. Education services

Rupiah 14,06 13,32 13,44 12,30 12,44 12,50 12,50 12,53 12,65 14,05 14,06 14,10 14,11 13,99 14,06 13,21 13,28 13,09 Rupiah


14. Jasa Kesehatan dan Kegiatan Sosial 14. Health and social services

Rupiah 12,18 12,16 12,33 12,30 12,26 12,33 12,42 12,50 12,51 12,65 12,73 13,33 13,01 12,98 13,01 13,15 13,10 13,01 Rupiah


15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan

Perorangan lainnya

15. Community, Sociocultural,Entertainment and

Other Individual Services

Rupiah 12,67 13,10 13,20 13,27 13,26 13,31 13,36 13,40 13,47 13,62 13,81 13,94 14,30 14,24 14,40 14,17 13,75 14,11 Rupiah


16. Jasa Perorangan yang Melayani Rumah Tangga 16. Individual services which serve households

Rupiah 16,18 14,83 14,83 14,82 14,71 14,72 14,67 14,64 14,57 15,25 15,35 15,45 15,51 15,53 15,40 15,49 15,46 15,50 Rupiah

Valas - - - - - - - - - - - - - - - 5,67 5,33 5,33 Foreign Exchange

17. Badan Internasional dan Badan Ekstra Internasional

Lainnya

17. Extra agency international agency and other

international

Rupiah 9,50 9,51 9,70 9,70 9,65 9,82 9,94 9,99 10,01 10,07 10,12 10,16 10,20 10,24 10,01 10,01 9,98 9,95 Rupiah


18. Kegiatan yang belum jelas batasannya 18. Business Activities which are not clearly defined

Rupiah 11,51 10,20 10,83 10,24 10,56 11,07 14,65 14,85 14,75 22,48 15,14 15,86 15,94 15,70 15,61 15,48 15,20 14,56 Rupiah


Penerima Kredit Bukan Lapangan Usaha Credit Recipients Non Industrial Origin

Rumah Tangga House Hold

- Untuk Pemilikan Rumah Tinggal - For House Ownership

Rupiah 10,46 10,32 10,39 10,42 10,44 10,45 10,50 10,55 10,59 10,72 10,83 10,82 10,87 10,90 11,03 11,13 11,17 11,17 Rupiah


- Untuk Pemilikan Flat atau Apartemen - For Apartement Ownership

Rupiah 8,78 9,19 9,30 9,36 9,46 9,52 9,58 9,64 9,73 9,95 10,08 10,22 10,32 10,41 10,49 10,71 10,82 10,76 Rupiah


- Untuk Pemilikan Ruko atau Rukan - For Shop House Ownership

Rupiah 9,94 9,78 9,87 9,93 10,02 10,04 10,11 10,21 10,28 10,06 9,82 10,56 10,63 10,67 10,81 10,90 10,97 10,99 Rupiah


- Untuk Pemilikan Kendaraan Bermotor - For Vehicles Ownership

Rupiah 11,33 10,44 10,47 10,50 10,50 10,60 10,68 10,79 10,85 11,22 11,17 11,25 11,31 11,35 11,42 11,53 11,61 11,65 Rupiah

Valas 6,70r)

6,00 2,00r)

6,75 5,29 1,87r)

0,00 24,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 24,00 0 0 Foreign Exchange

- Untuk Pemilikan Peralatan Rumah Tangga Lainnya - Others

Rupiah 14,36 14,21 14,23 14,27 14,30 14,31 14,39 14,36 14,38 14,33 14,34 14,14 14,11 14,16 13,77 13,79 13,73 13,90 Rupiah


- Bukan Lapangan Usaha Lainnya - Non Industrial Origin Others

Rupiah 18,82 17,21 17,27 17,30 17,20 17,31 17,22 17,12 17,12 17,97 17,97 17,99 17,94 17,92 19,57 19,82 19,99 19,96 Rupiah


r) Revised figures

2013


Tabel 1.54 Suku Bunga Rata-rata Kredit Bank Umum Kepada Pihak Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Average of Credit Interest Rate of Commercial Banks to Parties Non Bank Based on Industrial Origin and Non Industrial Origin Credit Recipients)Persen (Percent)


2012

57


2015


- Modal Kerja - Working Capital

Rupiah 11,50 11,81 11,95 12,08 12,14 12,24 12,35 12,39 12,40 12,65 12,64 12,72 12,78 12,79 12,83 12,85 12,81 12,78

Rupiah

Valas 4,08 3,92 3,95 3,91 3,90 3,96 3,85 3,89 3,80 3,92 4,27 4,56 4,59 4,56 4,69 4,64 4,63 4,57

Foreign Exchange

- Investasi - Investments

Rupiah 11,28 11,49 11,65 11,74 11,83 11,93 11,98 12,00 12,06 12,18 12,25 12,32 12,34 12,34 12,40 12,38 12,36 12,29

Rupiah

Valas 5,03 4,94 4,95 4,94 4,95 4,92 4,89 5,09 4,95 5,16 5,01 5,01 5,19 5,03 5,05 5,07 5,08 5,05

Foreign Exchange

- Konsumsi - Consumption

Rupiah 13,58 13,03 13,08 13,12 13,13 13,17 13,20 13,21 13,25 13,26 13,30 13,32 13,33 13,38 13,43 13,53 13,58 13,63

Rupiah


- Ekspor - Ekspor

Rupiah 10,18 10,59 10,78 10,87 10,93 10,94 10,98 11,12 11,06 11,06 11,17 11,66 11,73 11,58 11,46 11,52 11,55 11,65 Rupiah


- Impor - Impor

Rupiah 9,76 9,78 9,98 10,27 10,48 10,60 10,72 10,76 10,80 10,89 10,98 11,27 12,03 11,87 11,73 11,65 11,60 11,55 Rupiah


- Lainnya - Other

Rupiah 12,19 12,19 12,31 12,39 12,43 12,52 12,59 12,61 12,64 12,78 12,80 12,87 12,89 12,90 12,95 12,99 12,98 12,97 Rupiah


2. Orientasi Penggunaan

r) Revised figuresr) Revisi

Jenis Penggunaan2014

20122013

Tabel 1.55 Suku Bunga Rata-rata Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Average of Credit Interest Rate of Commercial Banks Based on Types and Orientation User) Persen (Percent)

Type of Use

2. User Orientation

1. Type of Use1. Jenis Penggunaan

58


2015


Bank Persero State Owned Banks

Jumlah Bank 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Total Banks

Jumlah Kantor 5.363 6.084 6.165 6.287 6.415 6.424 6.431 6.442 6.503 6.617 6.646 6.799 6.857 6.962 7.057 7.141 7.198 7.199 Total Bank Offices

Jumlah Bank 36 36 36 36 36 36 36 36 35 35 35 35 35 38 r)

38 38 38 38 Total Banks

Jumlah Kantor 7.647 7.910 7.944 7.965 8.052 8.057 8.064 8.076 8.088 8.091 8.093 8.115 8.132 8.147 r)

8.186 8.268 8.313 8.339 Total Bank Offices

Jumlah Bank 30 30 30 30 30 30 30 30 30 30 30 30 30 29 r)



BPD Regional Development

Banks



Bank Campuran Joint Venture Banks

Jumlah Bank 14 14 14 14 14 14 14 14 14 14 14 14 14 12 r)


Jumlah Kantor 263 268 268 270 272 272 273 274 274 274 275 277 279 279 r)

280 281 283 283 Total Bank Offices

Bank Asing Foreign Owned Bank


Jumlah Kantor 193 196 196 197 197 197 197 197 197 197 197 197 197 197 197 197 197 197 Total Bank Offices

Total Total


Jumlah Kantor 16.625 17.953 18.114 18.303 18.558 18.612 18.647 18.704 18.799 18.933 19.004 19.224 19.307 19.430 19.588 19.780 19.948 19.988 Total Bank

Offices

Tabel 1.56 Perkembangan Jumlah Bank Umum dan Kantor Bank Umum

(Growth of Total Commercial Banks and Bank Offices)

Kelompok Bank Group of Bank2014

2012

BUSN Devisa Foreign Exchange

Commercial Banks

BUSN Non Devisa Non-Foreign Exchange

Commercial Banks

2013

59


2015


1. Jawa Barat 380 394 394 393 393 396 396 397 396 396 396 395 395 395 397 397 397 397 1. Jawa Barat

2. Banten 93 94 94 94 94 94 94 94 95 95 95 95 95 95 95 96 95 95 2. Banten

3. DKI Jakarta 564 575 572 572 574 574 574 574 576 575 576 576 574 574 576 568 569 569 3. DKI Jakarta

4. D.I. Yogyakarta 56 58 59 59 59 60 60 60 60 60 60 60 60 60 60 60 60 60 4. D.I Yogyakarta

5. Jawa Tengah 311 326 326 326 328 328 328 328 329 330 330 331 331 332 332 331 331 331 5. Jawa Tengah

6. Jawa Timur 411 417 417 419 425 426 428 428 428 428 428 427 427 427 427 426 426 426 6. Jawa Timur

7. Bengkulu 28 30 30 30 30 30 30 30 31 31 31 31 31 31 31 31 32 32 7. Bengkulu

8. Jambi 53 58 58 58 59 59 59 59 59 59 59 59 59 59 59 59 60 60 8. Jambi

9. Aceh 77 78 78 78 79 79 79 79 79 79*)

79 79 79 79 79 79 79 79 9. Aceh

10. Sumatera Utara 192 198 197 198 199 199 199 199 199 201 201 201 201 201 202 201 201 201 10. Sumatera Utara

11. Sumatera Barat 81 84 83 83 84 84 84 84 84 84 84 84 84 84 84 84 84 84 11. Sumatera Barat

12. Riau 88 90 90 91 91 94 94 94 94 94 94 94 94 94 95 94 94 94 12. Riau

13. Sumatera Selatan 93 99 99 101 102 102 103 102 103 103 103 103 102 102 103 100 100 100 13. Sumatera Selatan

14. Bangka Belitung 22 24 24 24 24 25 25 26 26 26 26 26 26 26 26 26 27 27 14. Bangka Belitung

15. Kepulauan Riau 56 58 58 59 59 59 59 59 59 59 59 59 59 59 59 59 59 59 15. Kepulauan Riau

16. Lampung 56 57 58 58 58 58 58 58 58 59 59 59 59 59 60 60 60 60 16. Lampung

17. Kalimantan Selatan 74 78 78 78 78 78 78 78 78 77 77 77 77 77 77 72 73 73 17. Kalimantan Selatan

18. Kalimantan Barat 69 72 72 73 74 74 75 75 75 75 75 76 76 74 74 73 74 74 18. Kalimantan Barat

19. Kalimantan Timur 108 113 113 113 115 116 116 117 117 117 117 117 119 119 119 118 119 119 19. Kalimantan Timur

20. Kalimantan Tengah 46 47 47 47 47 47 47 47 47 47 47 47 47 47 47 43 44 44 20. Kalimantan Tengah

21. Sulawesi Tengah 38 38 38 38 39 39 39 39 40 40 40 40 40 40 41 40 40 40 21. Sulawesi Tengah

22. Sulawesi Selatan 124 129 130 130 131 131 131 131 132 132 132 133 133 134 136 132 134 134 22. Sulawesi Selatan

23. Sulawesi Utara 55 57 57 57 57 60 60 60 60 61 61 61 60 60 60 59 60 60 23. Sulawesi Utara

24. Gorontalo 16 16 16 17 17 17 17 18 18 18 18 18 18 18 18 17 17 17 24. Gorontalo

25. Sulawesi Barat 14 15 15 15 15 15 15 15 15 15 16 16 16 16 16 15 15 15 25. Sulawesi Barat

26. Sulawesi Tenggara 31 33 34 34 35 35 35 35 36 36 36 36 36 36 36 36 42 42 26. Sulawesi Tenggara

27. Nusa Tenggara Barat 44 50 50 50 49 49 49 51 51 51 52 52 52 52 52 52 52 52 27. Nusa Tenggara Barat

28. Bali 85 91 92 92 92 92 92 92 92 92 92 92 92 92 93 93 93 93 28. Bali

29. Nusa Tenggara Timur 51 52 52 52 53 53 53 54 54 54 54 54 54 54 54 54 54 54 29. Nusa Tenggara Timur

30. Maluku 30 30 30 30 30 30 30 30 31 31 31 31 31 31 31 31 32 32 30. Maluku

31. Papua 56 59 59 59 59 60 60 60 60 60 60 60 60 60 60 58 59 59 31. Papua

32. Maluku Utara 18 19 19 19 19 19 19 19 19 19 19 21 21 21 21 21 21 21 32. Maluku Utara

33. Irian Jaya Barat 25 26 27 27 27 27 27 27 27 27 27 27 27 27 27 24 24 24 33. Papua Barat

34. Lainnya 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 34. Others

3.461 3.581 3.582 3.590 3.611 3.625 3.629 3.635 3.644 3.647 3.650 3.653 3.651 3.651 3.663 3.625 3.643 3.643

r) Revised figures

2014

Total

Location2012

2013


Total

Tabel 1.57 Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Lokasi Bank

(Growth of Total Branch Offices Based on Region)

Lokasi

60

DA

TA

BA

NK

SY

AR

IAH


2015

Janr) Febr) Mar Apr Mei 1. r) Juni r) Juli r) Agus r) Sep r) Okt Nov Des Jan

Penyaluran Dana iB 64.355 94.884 140.980 188.562 233.345 244.838 225.312 231.701 234.020 237.688 241.947 241.870 243.912 249.455 252.440 254.316 262.708 254.348 Fund Disbursements iB

a. Pembiayaan 46.886 68.181 102.655 147.505 184.122 189.998 181.772 184.964 188.063 189.690 193.008 194.079 193.983 196.563 196.491 198.376 199.330 197.279 a. Financing

Rupiah 44.938 64.817 97.847 139.880 173.224 177.011 171.740 174.941 176.532 177.885 181.188 182.860 182.797 184.710 184.573 186.259 187.204 185.164 Rupiah


b. Antar Bank 3.036 4.138 4.846 6.004 5.836 5.699 5.319 6.571 6.684 6.539 6.500 8.421 7.360 7.375 6.603 6.366 7.015 6.661 b. Inter-Bank

c. Penempatan di BI 10.393 16.393 27.127 26.713 31.946 36.235 27.466 29.284 28.090 29.766 30.012 26.836 29.626 32.364 36.053 36.623 43.412 37.167 c. Placements at BI

d. Surat Berharga (tidak

termasuk obligasi rekap)

3.786 5.733 5.902 7.822 9.684 10.675 9.045 9.066 9.567 9,775 r)

10,060 r)

10,079 r)

10,742 r)

10.885 r)

11.264 11.399 11.466 11.811 d. Money Instruments (not

including recapitalization

bonds)

e. Penyertaan 83 88 47 47 48 48 48 40 40 40 40 40 40 40 40 100 100 90 e. Equity participation

f. Tagihan Lainnya 171 351 403 471 1.709 2.183 1.662 1.776 1.577 1.468 1.509 1.778 1.543 1.507 1.395 1.453 1.386 1.340 f. Other claims

Sumber Dana iB 57.762 83.184 126.409 165.404 204.571 210.781 198.392 204.357 207.362 204.847 208.802 210.885 211.892 215.555 221.119 222.925 232.671 224.324 Sources of Funds iB

a. DPK 52.271 76.036 115.415 147.512 183.534 189.870 178.154 180.945 185.508 190.783 191.470 194.299 195.959 197.141 207.121 209.644 217.858 210.761 a. Third Party Funds

Rupiah 50.266 72.807 110.910 140.547 171.900 177.252 166.610 169.957 172.707 177.289 178.481 181.440 182.755 183.979 193.805 196.191 204.404 197.699 Rupiah

Giro Wadiah 5.403 7.914 10.678 15.683 15.736 15.015 12.473 11.640 11.376 13.170 14.855 14.231 13.784 14.603 13.704 14.091 15.407 15.452 Wadiah Demand Deposit

Deposito Mudharabah 28.484 42.206 67.942 80.576 100.105 107.601 99.529 103.914 106.714 109.911 109.483 110.894 112.558 112.318 121.881 123.524 126.071 120.734 Mudharabah Time Deposits

Tabungan Mudharabah 16.379 22.688 32.290 44.288 56.059 54.636 54.609 54.403 54.617 54.208 54.142 56.314 56.413 57.059 58.220 58.576 62.926 61.512 Mudharabah Savings Accounts


Giro Wadiah 798 1.142 1.329 2.026 2.787 3.061 2.482 2.214 2.602 3.299 2.398 3.774 2.977 2.736 2.563 2.913 3.242 2.707 Wadiah Demand Deposit


Tabungan Mudharabah 96 218 312 784 1.141 1.051 1.045 1.045 1.184 969 1.032 623 680 638 591 617 655 737 Mudharabah Savings Accounts

b. Kewajiban Kepada BI 6 3 0 0 0 0 0 - - - - - - - - - - - b. Liabilities at BI

c. Antar Bank 3.717 4.924 6.648 11.576 11.742 9.978 10.682 13.094 11.339 8.052 11.318 10.539 10.027 12.886 8.712 8.144 9.710 8.590 c. Inter-Bank

d. Surat Berharga 340 325 924 1.537 1.997 2.382 1.997 1.997 1.997 1.987 2.137 1.987 1.987 1.816 2.066 2.066 2.076 2.076 d. Money Instruments

e. Pinjaman yang Diterima 512 483 1.520 - 2.704 3.304 2.703 2.703 2.703 2.704 2.705 2.704 2.704 2.704 2.406 2.206 2.206 2.056 e. Loans received

Rupiah 512 483 1.520 1.952 2.704 3.304 2.703 2.703 2.703 2.704 2.705 2.704 2.704 2.704 2.406 2.206 2.206 2.056 Rupiah

Valas - - - 103 - - - - - - - - - - - - - Foreign Exchange

f. Kewajiban Lainnya 845 1.321 1.783 2.634 4.512 5.158 4.773 5.546 5.741 4.422 4.512 4.836 4.644 4.375 3.901 3.812 3.658 3.575 f. Other Liabilities

g. Setoran Jaminan 69 90 119 89 83 90 83 72 74 64 63 59 55 57 57 56 67 122 g. Guarantee Deposits

Komponen Modal Capital Components

a. Modal Disetor 1.946 5.965 6.611 7.211 8.181 9.952 8.938 8.939 8.939 8.953 8.953 9.936 10.237 10.741 10.642 10.643 10.644 10.644 a. Paid-In Capital

b. Cadangan 449 491 579 913 1.013 1.306 1.013 1.014 1.014 1.129 1.129 1.260 2,064 r)

2.064 2.064 996 997 997 b. Reserves

c. L/R tahun berjalan 790 1.051 1.475 2.541 3.278 (101) 530 817 1.038 1.102 1.315 1.402 1.396 1.630 1.440 1.894 1.786 225 c. Current Earnings (Profit/Loss)

d. L/R tahun Lalu 315 527 1.069 1.895 3.186 9.212 5.888 5.147 5.066 4.945 4.945 4.682 3.878 3.878 3.758 3.739 3.752 5.037 d. Retained Earnings (Profit/Loss)

e. Perkiraan tambahan modal

disetor

468 516 816 618 1.865 2.044 1.545 1.540 1.541 1.568 1.563 1.839 1.842 1.844 1.797 1.898 1.794 1.797 e. Estimate of Additional Paid-In

Capital

f. Modal Pinjaman - - - - - - - - - - - - - - - - - - f. Capital Loans

3.076 5.408 9.244 4.993 6.699 5.253 5.331 5.842r)

6.234 6.404 6.782 5.880 6.514 6.450 6.680 6.530 8.130 8.050

Total Aset 66.090 97.519 145.467 195.018 242.276 233.305 234.081 240.931r)

244.209 247.236 251.909 252.464 252.209 257.519 260.366 261.927 272.343 263.468 Total Assets

Jaringan Kantor Office Network


Jumlah Kantor 1) 998 1.477 1.702 2.227 2.554 2.574 2.581 2.558 2.564 2.571 2.575 2.592 r)

2.577 r)

2.571 r)

2.519 2.501 2.471 2.467 Total Bank Offices 1)

Ket:

Bank Indonesia Syariah Money

Certificates (BUS & UUS)

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

Note: 1) Excluding Gerai Muamalatr) Revised figures


1) Tidak termasuk Gerai Muamalatr) Angka-angka diperbaiki


Tabel 2.1 Kegiatan Usaha Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS)

(Sharia Business Unit Operations and Sharia Commercial Banks)Miliar Rp (Billion Rp)

Indikator Indicator2012

Sertifikat Wadiah Bank

Indonesia (BUS & UUS)

201020092014

2011 2013

62


2015


Penyaluran Dana iB 46.386 76.602 112.853 142.148 172.411 187.813 168.193 172.951 174.766 176.978 179.378 183.897 184,612 r

187.875 189.291 190.858 196.552 189.324 Fund Disbursements iB


Rupiah 33.190 53.864 80.038 106.987 129.650 134.283 128.889 131.484 132.494 133.502 135.777 139.240 138.838 140.162 139.462 140.373 139.993 138.066 Rupiah


b. Antar Bank 1.415 1.968 2.571 3.071 3.426 3.114 3.049 3.638 4.085 4.069 3.926 6.139 4,618 r

4.239 4.073 3.843 4.267 4.040 b. Inter-Bank




2.922 5.203 5.166 6.988 8.328 9.594 8.101 8.127 8.606 8,588 r)

9,021 r)

9,306 r)

9,368 r)

9.412 r)



bonds)

e. Penyertaan 83 88 47 47 48 48 48 40 40 40 40 40 40 40 40 100 100 90 e. Equity participation

f. Tagihan Lainnya 169 344 391 456 1.684 2.153 1.648 1.761 1.562 1.468 1.509 1.778 1.543 1.507 1.395 1.453 1.386 1.340 f. Other claims



Rupiah 37.881 61.404 92.571 112.664 134.293 141.783 130.487 132.528 135.204 140.200 140.449 144.939 146.116 146.761 152.392 154.256 159.549 153.552 Rupiah





Giro Wadiah 683 1.095 1.274 1.948 2.594 2.916 2.355 2.102 2.436 2.808 2.164 3.534 2.679 2.410 2.296 2.607 2.878 2.287 Wadiah Demand Deposit


Tabungan Mudharabah - 2 4 349 637 503 488 488 586 496 555 143 144 133 111 130 151 153 Mudharabah Savings Accounts

b. Kewajiban Kepada BI 6 3 0 0 0 0 0 - - - - - - - - - - - b. Liabilities at BI

c. Antar Bank 3.005 3.944 5.416 9.989 10.500 8.820 9.407 11.405 10.188 6.738 9.417 8.966 8.099 10.463 6.398 6.148 7.139 5.935 c. Inter-Bank

d. Surat Berharga 340 325 725 1.338 1.797 2.182 1.797 1.797 1.797 1.787 1.937 1.787 1.787 1.537 1.787 1.787 1.797 1.797 d. Money Instruments

e. Pinjaman yang Diterima 112 81 1.119 1.654 2.270 2.870 2.270 2.270 2.270 2.271 2.271 2.270 2.270 2.270 1.972 1.972 2.202 2.052 e. Loans received

Rupiah 112 81 1.119 1.551 2.270 2.870 2.270 2.270 2.270 2.271 2.271 2.270 2.270 2.270 1.972 1.972 2.202 2.052 Rupiah

Valas - - - 103 - - - - - - - - - - - - - Foreign Exchange

f. Kewajiban Lainnya 735 1.236 1.603 2.325 4.140 4.787 4.389 5.141 5.306 3.891 3.956 4.301 4.110 3.850 3.368 3.465 3.537 3.470 f. Other Liabilities


Komponen Modal Capital Components

a. Modal Disetor 1.946 5.965 6.611 7.211 8.181 9.952 8.938 8.939 8.939 8.953 8.953 9.936 10.137 10.641 10.642 10.643 10.644 10.644 a. Paid-In Capital

b. Cadangan 449 491 579 913 1.013 1.306 1.013 1.014 1.014 1.129 1.129 1.260 2,064 r)

2.064 2.064 996 997 997 b. Reserves

c. L/R tahun berjalan 499 776 1.065 1.790 2.037 (212) 295 483 612 572 621 683 578 632 351 701 702 120 c. Current Earnings (Profit/Loss)

d. L/R tahun Lalu 295 499 1.054 1.829 3.112 8.513 5.246 4.874 4.874 4.759 4.759 4.496 3.691 3.691 3.571 3.553 3.566 4.269 d. Retained Earnings (Profit/Loss)


disetor

468 516 816 618 1.865 2.044 1.574 1.566 1.566 1.568 1.563 1.840 1.842 1.844 1.797 1.798 1.794 1.797 e. Estimate of Additional Paid-In

Capital

f. Modal Pinjaman - - - - - - - - - - - - - f. Capital Loans

3.076 5.408 9.244 4.993 6.699 5.253 5.331 5.843 6.234 6.404 6.782 5.880 6.514 6.450 6.680 6.530 8.130 8.050

Total Aset 48.014 79.186 116.930 147.581 180.360 175.300 176.010 181.148 183.864 185.347 186.848 193.518 192.051 195.085 196.253 197.539 204.961 197.385 Total Assets



Jumlah Kantor 1) 711 1.215 1.390 1.734 1.987 2.002 2.006 2.133 2.139 2.145 2.149 2.175 2,174

r)

2.174 r)

2.157 2.147 2.151 2.145 Total Bank Offices 1)

Ket:

Indicator

Tabel 2.2 Kegiatan Usaha Bank Umum Syariah (BUS)

(Sharia Commercial Banks Operations (BUS))Miliar Rp (Billion Rp)



201420112010Indikator






20122009 2013

63


2015


Penyaluran Dana iB 17.969 18.282 28.127 46.414 60.935 57.026 57.119 58.750 59.254 60.710 62.570 57.974 59,300 r)

61.580 63.149 63.459 66.157 65.024 Fund Disbursements iB


Rupiah 11.748 10.953 17.809 32.894 43.575 42.728 42.851 43.457 44.038 44.383 45.411 43.621 43.959 44.548 45.111 45.886 47.211 47.098 Rupiah

Valas 687 871 1.143 2.215 3.279 3.261 3.054 2.918 4.178 4.269 4.281 4.046 4.053 4.278 4.016 4.086 4.175 4.205 Foreign Exchange

b. Antar Bank 1.621 2.170 2.276 2.933 2.410 2.585 2.270 2.934 2.599 2.470 2.575 2.282 2,741 r)

3.136 2.531 2.523 2.747 2.621 b. Inter-Bank




864 530 736 834 1.356 1.081 943 939 961 1,187 r)

1,039 r)

773 r)

1,374 r)

1.473 r)



bonds)

e. Penyertaan - - - - - - - - - - - - - - - - - - e. Equity participation

f. Tagihan Lainnya 1 7 12 14 25 30 14 14 14 - - - - - - f. Other claims



Rupiah 12.385 11.403 18.339 27.883 37.608 35.469 36.123 37.429 37.503 37.089 38.032 36.501 36.639 37.219 41.413 41.935 44.855 44.147 Rupiah




Valas 263 298 528 1.812 2.752 2.713 3.063 2.256 2.991 2.936 2.909 2.094 2.450 2.591 2.619 2.660 2.281 2.324 Foreign Exchange

Giro Wadiah 116 47 54 78 192 145 127 112 166 491 234 240 298 326 267 306 364 420 Wadiah Demand Deposit

Deposito Mudharabah 51 35 165 1.300 2.056 2.020 2.379 1.587 2.227 1.971 2.198 1.374 1.617 1.760 1.872 1.868 1.413 1.320 Mudharabah Time Deposits

Tabungan Mudharabah 96 217 308 435 504 548 557 557 598 473 477 480 536 505 480 486 504 584 Mudharabah Savings Accounts

b. Kewajiban Kepada BI - - - - - - - - - - - - - - - - - - b. Liabilities at BI

c. Antar Bank 712 981 1.232 1.587 1.243 1.158 1.275 1.689 1.150 1.313 1.901 1.573 1.929 2.423 2.314 1.996 2.571 2.654 c. Inter-Bank

d. Surat Berharga - - 199 199 200 200 200 200 200 200 200 200 200 279 279 279 279 279 d. Money Instruments

e. Pinjaman yang Diterima 400 402 401 401 434 434 434 434 434 434 434 434 434 434 434 234 4 4 e. Loans received

Rupiah 400 402 401 401 434 434 434 434 434 434 434 434 434 434 434 234 4 4 Rupiah

Valas - - - - - - - - - - - - - - - - - Foreign Exchange

f. Kewajiban Lainnya 111 86 180 309 372 370 384 405 436 531 556 535 535 535 533 347 121 105 f. Other Liabilities


Komponen Modal - - - - Capital Components

a. Modal Disetor - - - - - - - - - - - - - - - - - - a. Paid-In Capital

b. Cadangan - - - - - - - - - - - - - - - - - - b. Reserves

c. L/R tahun berjalan 291 275 410 752 1.242 112 236 334 426 530 695 719 818 998 1.090 1.193 1.084 105 c. Current Earnings (Profit/Loss)

d. L/R tahun Lalu 20 28 15 66 75 699 642 273 191 187 187 187 187 187 187 187 187 768 d. Retained Earnings (Profit/Loss)


disetor

- - - - - - -r)

-r)

-r) - - - - - - - - - e. Estimate of Additional Paid-In

Capital

f. Modal Pinjaman - - - - - - - - - - - - - - - - - - f. Capital Loans

3.076 5.408 9.244 4.993 6.699 5.253 5.331 5.843 6.234 6.404 6.782 5.880 6.514 6.514 6.680 6.530 8.130 8.050

Total Aset 18.076 18.333 28.536 47.437 61.916 58.005 58.071 59.784r)

60.346 61.889 65.061 58.946 60.158 62.434 64.112 64.389 67.383 66.084 Total Assets



Jumlah Kantor 1) 287 262 312 493 567 572 575 425 425 426 426 417

r)

403 r)

397 r)

362 354 320 322 Total Bank Offices 1)

Ket:

Indikator2014




Indicator

Tabel 2.3 Kegiatan Usaha Unit Usaha Syariah (UUS)

(Sharia Business Unit Operations (UUS))Miliar Rp (Billion Rp)

2012



20112009 2010



2013

64


2015


Bank Umum Syariah 48.014 79.186 116.930 147.581 180.360 175.300 176.010 181.148 183.864 185.347 186.848 193.518 192.051 195.085 196.253 197.539 204.961 197.385 Syariah Commercial Banks

Unit Usaha Syariah 18.076 18.333 28.536 47.437 61.916 58.005 58.071 59.784 60.346 61.889 65.061 58.946 60.158 62.434 64.112 64.389 67.383 66.084 Syariah Business Units

Ket:

2014

2009



2011


Note: r) Revised figures


Indicator

Tabel 2.4 Perkembangan Aset Perbankan Syariah

(Growth of Assets of Sharia Banks)Miliar Rp (Billion Rp)

2010Indikator 2012 2013

65


2015


Pembiayaan iB 46.886 68.181 102.655 151.754 184.120 181.398 181.772 184.964 187.885 189.690 193.136 194.079 193.983 196.563 196.491 198.376 199.330 197.279 Financing iB


b. Dalam Perhatian Khusus 3.074 3.114 4.587 5.822 8.063 10.294 10.830 11.996 12.253 13.740 13.532 13.629 13.234 13.848 14.649 15.591 13.467 17.819 b. Special Mention

c. Kurang Lancar 435 677 1.075 995 1.353 1.746 2.080 1.762 2.039 2.660 2.566 3.034 2.810 2.627 2.794 2.611 2.467 2.740 c. Sub-Standard

d. Diragukan 582 332 297 557 739 761 1.097 795 1.035 1.246 1.288 1.437 1.861 2.452 1.734 1.668 1.701 1.887 d. Doubtful

e. Macet 865 1.052 1.216 1.878 2.735 2.948 3.249 3.395 3.480 3.718 3.688 3.882 4.218 4.095 4.812 5.363 4.465 4.981 e. Lost

1.882 2.061 2.588 3.430 4.828 5.455 6.425 5.953 6.554 7.624 7.542 8.354 8.890 9.175 9.341 9.642 8.632 9.608

4,01 3,02 2,52 2,26 2,62 3,07 3,53 3,21 3,48 4,02 3,90 4,30 4,58 4,67 4,75 4,86 4,33 4,87

Ket:

20122009Indikator


Non Performing Financing

(Nominal)

Rasio Non Performing Financing

(%)





Non Performing Financing Ratio

(%)

2010

Non Performing Financing

(Nominal)

2011 Indicator2014

Tabel 2.5 Aktiva Produktif Perbankan Syariah

(Earning Assets of Sharia Banks)Miliar Rp (Billion Rp)

2013

66


Nominal

Komposisi thdp

total DPK (%)

(Composition to Total Third Party

Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Nominal

Komposisi thdp

total DPK (%)


Funds) (%)

Giro Wadiah iB 4.238 11,50 6.202 11,86 9.056 11,91 12.006 11,79 17.708 12,00 18.523 10,09 15.749 8,85 18.649 8,56 18.160 8,62 Demand Deposit iB

Rupiah 3.741 10,15 5.403 10,34 7.914 10,41 10.678 10,49 15.683 10,63 15.736 8,57 13.398 7,53 15.407 7,07 15.452 7,33

Rupiah

Valas 498 1,35 798 1,53 1.142 1,50 1.329 1,30 2.026 1,37 2.787 1,52 2.351 1,32 3.242 1,49 2.707 1,28

Foreign Exchange

Deposito Mudharabah iB 20.143 54,66 29.595 56,62 44.075 57,97 70.806 69,55 84.732 57,44 107.812 58,74 106.973 60,12 135.629 62,26 130.352 61,85 Deposits iB

Rupiah 19.273 52,30 28.484 54,49 42.206 55,51 67.942 66,74 80.576 54,62 100.105 54,54 99.552 55,95 126.071 57,87 120.734 57,28 Rupiah

Valas 870 2,36 1.111 2,13 1.869 2,46 2.864 2,81 4.155 2,82 7.706 4,20 7.421 4,17 9.558 4,39 9.618 4,56 Foreign Exchange

Tabungan Mudharabah iB 12.471 33,84 16.475 31,52 22.906 30,13 32.602 32,02 45.072 30,55 57.200 31,17 55.208 31,03 63.581 29,18 62.249 29,54 Savings iB

Rupiah 12.436 33,74 16.379 31,33 22.688 29,84 32.290 31,72 44.288 30,02 56.059 30,54 54.172 30,45 62.926 28,88 61.512 29,19 Rupiah

Valas 35 0,10 96 0,18 218 0,29 312 0,31 784 0,53 1.141 0,62 1.036 0,58 655 0,30 737 0,35 Foreign Exchange

Total DPK iB 36.852 100 52.271 100 76.036 100 115.415 113,37 147.512 100,00 183.534 100,00 177.930 100,00 217.858 100,00 210.761 100,00 Total Third Party Funds iB

Rupiah 35.449 96,19 50.266 96,16 72.807 95,75 110.910 108,94 140.547 95,28 171.900 93,66 167.122 93,93 204.404 93,82 197.699 93,80 Rupiah

Valas 1.403 3,81 2.006 3,84 3.229 4,25 4.505 4,42 6.965 4,72 11.634 6,34 10.808 6,07 13.454 6,18 13.063 6,20 Foreign Exchange


Januari 2015

Tabel 2.6 Komposisi DPK Perbankan Syariah

(Composition of Third Party Funds of Sharia Banks)Miliar Rp (Billion Rp)

Indikator

Desember 2008 Desember 2009 Desember 2013Desember 2012 Januari 2014***)

Indicator

Desember 2011



62


2015


Giro iB Wadiah Demand Deposit iB

Rupiah 1,04 1,26 2,15 1,01 0,74 0,87 0,86 0,80 0,85 0.58 r)

0.62 r)

0,56 0,60 0,69 0,83 0,77 0,70 0,82 Rupiah

Valas 0,38 0,77 1,13 0,26 0,11 0,13 0,12 0,10 0,16 0.32 r)

0,27 0,61 0,36 0,33 0,36 0,34 0,34 0,36 Foreign Exchange

Deposito iB Mudharabah Deposits iB

Rupiah 7,48 7,03 7,46 6,33 5,10 5,70 5,74 5,86 5,85 6,65 6,82 6,61 7,42 7,96 7,89 7,81 8,39 7,74 Rupiah


Tabungan iB Mudharabah Saving iB

Rupiah 2,76 3,08 3,23 2,41 5,66 5,81 5,75 5,80 5,86 3,73 3,47 3,41 3,41 3,52 3,47 3,39 3,60 3,19 Rupiah


r) Revised figures


20142010



Tabel 2.7 Tingkat Bagi Hasil Rata-rata DPK Bank Syariah

(Average of Profit Sharing Rates of Third Party Fund of Sharia Banks)Persen (Percent)

Indikator 2009 Indicator2011 2012


2013

62


2015


1. Pertanian, perburuan dan sarana

pertanian

17,78 14,91 13,72 15,07 15,46 15,78 15,80 15,97 16,09 16,24 16,64 17,34 17,53 17,20 17,45 17,70 17,90 17,50 1. Agriculture, hunting and

agricultural facilities

Rupiah 17,78 14,97 14,04 15,23 15,65 15,97 15,97 16,13 16,26 16,77 17,05 17,39 17,58 17,24 17,50 17,81 18,00 17,61 Rupiah


2. Pertambangan 15,44 16,29 12,22 11,36 12,44 12,26 12,40 12,32 12,51 10,50 10,61 12,42 12,53 12,57 11,56 12,07 12,26 11,54 2. Mining

Rupiah 14,20 14,32 13,70 13,03 15,77 15,59 15,48 15,55 15,72 12,84 12,95 15,38 15,79 15,72 13,93 15,35 15,39 14,16 Rupiah

Rupiah 18,51 19,03 9,60 7,99 7,64 7,71 7,67 8,20 8,57 7,93 8,17 9,01 9,05 9,13 9,22 8,60 8,88 8,83 Foreign Exchange

3. Valas 15,48 13,99 13,49 12,18 11,45 11,50 11,58 11,31 11,56 12,70 13,30 13,22 13,20 13,18 13,26 13,46 13,71 12,82 3. Manufacturing

Rupiah 15,34 14,32 13,56 12,58 11,84 11,84 11,88 11,57 11,87 13,89 14,33 14,18 14,24 14,29 14,38 14,56 14,98 14,20 Rupiah


4. Listrik, gas dan air 15,30 15,34 14,03 12,91 11,24 11,18 11,22 11,33 11,38 12,43 11,21 11,77 11,67 11,66 12,06 13,22 13,10 11,35 4. Electricity, gas and water

Rupiah 16,18 16,31 14,56 13,77 12,94 12,86 12,84 12,90 13,00 12,99 12,94 13,85 13,68 13,49 13,56 14,93 14,84 12,34 Rupiah


5. Konstruksi 13,49 14,32 14,32 13,95 12,26 11,90 12,03 12,58 12,60 13,28 13,60 12,79 13,64 13,28 13,85 14,47 14,42 13,69 5. Construction

Rupiah 14,15 14,63 14,54 14,46 12,42 12,10 12,22 12,80 12,85 13,63 13,94 12,91 13,81 13,43 14,04 14,69 14,65 13,81 Rupiah


6. Perdagangan, restoran dan hotel 19,34 19,64 19,25 18,33 17,87 18,13 17,75 17,73 17,57 18,12 16,80 16,98 21,04 21,09 20,82 21,03 21,01 20,51 6. Trade, restaurants and hotels

Rupiah 19,49 20,18 19,60 18,74 18,26 18,51 18,07 18,07 17,89 18,23 16,89 17,07 21,12 21,18 20,90 21,13 21,13 20,63 Rupiah


7. Pengangkutan, pergudangan

dan komunikasi

15,24 15,49 15,08 13,96 12,13 12,06 11,87 12,04 10,04 12,03 12,59 12,78 12,62 12,33 12,25 13,33 13,78 11,34 7. Transportation, warehousing

and communications

Rupiah 15,80 16,38 16,20 15,40 13,81 13,65 13,56 13,71 13,63 13,34 14,50 14,53 14,63 14,39 14,87 16,99 16,80 13,77 Rupiah


8. Jasa Dunia usaha 15,26 15,03 14,37 13,86 13,20 13,31 13,31 15,05 12,90 12,28 12,28 12,28 13,70 13,55 14,32 14,74 14,55 13,85 8. Business Services

Rupiah 15,54 15,38 14,51 13,98 13,22 13,34 13,34 15,10 12,93 12,46 12,46 12,46 13,76 13,65 14,23 14,66 14,47 13,75 Rupiah


9. Jasa sosial/masyarakat 16,89 17,91 14,57 12,76 11,66 11,71 11,91 12,11 12,69 14,64 15,76 13,88 17,30 16,96 17,82 17,06 16,94 16,03 9. Social Services

Rupiah 16,89 17,91 14,67 12,74 11,74 11,78 11,98 12,18 12,78 14,76 15,92 13,98 17,45 17,12 17,99 17,20 17,09 16,19 Rupiah

Valas - 8,00 7,98 14,41 8,55 7,75 7,80 7,79 7,34 6,41 6,70 7,61 7,62 7,66 7,67 8,20 8,30 7,91 Foreign Exchange

10. Lain-lain 11,04 10,17 9,68 10,29 10,64 10,78 10,81 12,03 12,10 13,23 11,67 11,04 10,88 11,03 11,17 11,43 11,44 11,73 10. Others

Rupiah 11,41 10,47 9,99 10,63 11,03 11,14 11,17 12,15 12,24 13,22 11,69 11,04 10,89 11,04 11,18 11,43 11,44 11,73 Rupiah

Valas 0,13 0,70 0,78 0,36 0,54 1,21 0,84 0,38 0,49 0,49 0,58 0,58 0,49 1,20 0,14 2,36*)

3,10 3,09 Foreign Exchange

2014

Tabel 2.8 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi

(Average of Margin Rates of Financing Based on Sector Economic)Persen (Percent)

2009 20112010 2012

Ket: 1)

terdapat formulasi baru untuk perhitungan bagi hasil akad ijarah


*) Angka-angka sementara 1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

Note: 1)

there is a new formulation for the calculation of the results ijara contract

r) Revised figures


Sektor Ekonomi Sektor Ekonomi2013

63


2015


Modal Kerja 16,99 16,55 15,33 14,33 13,38 13,44 13,46 14,72 13,21 13,41 13,92 14,88 17,32 17,11 17,37 17,69 17,68 16,59 Working Capital

Rupiah 17,15 16,96 15,65 14,63 13,73 13,81 13,80 15,10 13,73 13,84 14,49 15,47 18,00 17,82 17,97 18,34 18,25 17,21 Rupiah


Investasi 13,75 14,54 14,42 13,96 13,00 13,03 13,03 13,02 13,07 13,59 13,55 13,70 13,81 13,66 14,10 14,21 14,27 13,53 Investment

Rupiah 14,22 14,82 14,74 14,37 13,33 13,36 13,38 13,36 13,42 14,69 14,61 14,75 14,86 14,72 15,24 15,36 15,40 14,50 Rupiah


Konsumsi 11,03 10,16 9,68 10,38 10,79 10,94 10,98 12,03 12,10 11,24 11,29 10,83 11,06 11,10 11,45 11,95 11,93 11,88 Consumption

Rupiah 11,40 10,47 9,99 10,72 11,19 11,31 11,34 12,15 12,24 11,26 11,31 10,83 11,06 11,11 11,46 11,95 11,93 11,88 Rupiah

Valas 0,13 0,70 0,78 0,36 0,55 1,31 0,97 0,38 0,77 0,77 0,77 0,77 0,49 0,18 0,14 2,36*)

3,10 3,09 Foreign Exchange

2014

Ket: 1)

terdapat formulasi baru untuk perhitungan bagi hasil akad ijarah



20112010Jenis Penggunaan 20122009

Tabel 2.9 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan

(Average of Margin Rates of Financing Based on Type of Use)Persen (Percent)

Type of Use


Note: 1)

there is a new formulation for the calculation of the results ijara contract

r) Revised figures


2013

64


2015


Penyaluran Dana iB 1.995 2.586 3.328 4.459 5.544 5.534 5.587 5.644 5.635 5.631 5.620 5.648 5.777 5.855 5.980 6.055 6.287 6.283 Disbursement of Fund iB


Antar Bank Aktiva iB 408 525 652 906 1.110 1.112 1.048 1.009 908 842 774 798 932 937 1.032 1.075 1.282 1.279 Interbank Assets iB

Sumber Dana iB 1.679 2.196 2.892 3.911 4.866 4.864 4.914 4.979 4.958 4.942 4.916 4.929 5.062 5.110 5.190 5.256 5.439 5.444 Source of Funds iB

Dana Pihak Ketiga 1.251 1.604 2.095 2.938 3.666 3.669 3.711 3.765 3.734 3.681 3.599 3.592 3.729 3.753 3.802 3.853 4.028 4.052 Third Party Funds

Tabungan iB Wadiah 234 285 412 527 668 658 673 684 683 678 671 662 718 726 737 743 790 790 Wadiah Savings iB

Tabungan iB Mudharabah 319 374 448 590 701 675 689 703 693 687 651 629 678 680 692 696 750 748 Mudharabah Savings iB

Deposito iB Mudharabah 697 945 1.235 1.820 2.297 2.337 2.349 2.378 2.358 2.316 2.277 2.300 2.332 2.347 2.373 2.414 2.488 2.514 Deposit Mudharabah iB

Antar Bank Passiva 353 521 694 855 1.104 1.100 1.102 1.106 1.120 1.155 1.207 1.229 1.220 1.235 1.255 1.258 1.265 1.244 Interbank Liabilities

Pinjaman yang Diterima 57 52 80 91 55 53 52 54 55 56 59 61 69 79 89 92 92 99 Loan received

Kewajiban Lainnya 18 19 23 27 41 41 50 54 49 49 52 48 44 43 44 53 54 49 Other Liabilities

1.240 434 501 616 732 746 744 738 704 640r)

758 758 771 786 805 818 844 878

Modal Disetor 751 347 390 472 556 566 574 585 600 603 613 621 626 629 633 637 646 667 Paid-In Capital

Cadangan 456 42 50 61 82 83 91 101 104 106r)

109 109 109 109 109 109 109 109 Reserves

L/R Tahun berjalan 55 70 87 106 129 9 23 32 40r)

50 62 58 67 79 94 104 122 11 Current Earnings (Profit/Loss)

L/R Tahun Lalu (22) (25) (26) (24) (35) 88 55 20 5r)

(12) (27) (30) (31) (32) (31) (32) (32) 91 Current Earnings (Profit/Loss)

2014


Some Components of Capital

Indicator201220112009Indikator

Beberapa Komponen Modal

2010

Ket: r) Angka-angka diperbaiki

Tabel 2.10 Kegiatan Usaha BPR Syariah

(Sharia Rural Banks Operation)Miliar Rp (Billion Rp)

2013

65


2015


Aset 2.126 2.739 3.520 4.699 5.833 5.840 5.899 5.959 5.946 5.937 5.933 5.934 6.083 6.150 6.266 6.343 6.573 6.580 Assets


Lancar 1.475 1.927 2.512 3.335 4.145 4.082 4.189 4.276 4.348 4.395 4.449 4.432 4.418 4.491 4.505 4.542 4.610 4.556 Current

Kurang Lancar 31 39 49 73 91 121 126 133 150 152 154 161 159 149 158 155 136 179 Sub Standard

Diragukan 31 30 45 52 66 74 80 73 72 81 81 86 91 90 91 89 81 86 Doubtful

Macet 50 65 70 94 132 146 144 153 156 162 162 171 177 189 193 195 177 184 Lost

112 134 164 219 288 341 350 359 378 394 396 418 428 427 442 439 395 449

7,03 6,50 6,11 6,15 6,50 7,70 7,71 7,74 8,00 8,23 8,18 8,62 8,83 8,68 8,94 8,81 7,89 8,97

2014

Non Performing Financing (%)


Indicator

Non Performing Financing (Nominal)

2012Indikator 2011

Non Performing Financing (Nominal)

Ket: r) Angka-angka diperbaiki

Non Performing Financing (%)

20102009

Tabel 2.11 Aset dan Pembiayaan BPR Syariah

(Asset and Financing of Sharia Rural Bank)Miliar Rp (Billion Rp)

2013

66


2015


Jumlah Bank 6 11 11 11 11 11 11 11 11 11 11 12 12 12 12 12 12 12 Total Bank

Jumlah Kantor 711 1.215 1.390 1.734 1.987 2.002 2.006 2.133 2.139 2.145 2.149 2.175 2.174 2.174 2.157 2.147 2.151 2.145 Total Bank Offices


Jumlah Kantor 287 262 312 493 567 572 575 425 425 426 426 417 r)

403 r)

397 r)

362 354 320 322 Total Bank Offices


Jumlah Kantor 223 286 364 401 402 420 428 431 425 428 429 424 436 433 431 438 439 477 Total Bank Offices

20142012

Tabel 2.12 Jaringan Kantor Perbankan Syariah

(Sharia Bank Office Network)

BPR Syariah

2011

Sharia Commercial Banks

2010 IndicatorIndikator 2009

Sharia Business UnitsUnit Usaha Syariah (UUS)

Bank Umum Syariah (BUS)

Sharia Rural Bank


Ket: r) Angka-angka diperbaiki Note: r) Revised figures

2013

67


2015


CAR (%) - 16,76 16,63 14,14 14,42 16,76 16,71 16,20 16,68 16,85 16,21 14.76 r)

14.73 r)

14,60 r)

15,25 15.66* 15,74 13,75 CAR (%)

- Modal - 9.578 11.297 13.866 18.089 19.591 18.999 19.033 19.372 15226,93 18787,62 17,904 r)

17,388 r)

18.229 r)

18.437 19.521 19.585 19.450 - Capital

- ATMR - 57.156 67.936 98.071 125.429 116.878 113.693 117.508 116.124 90372,12 115885,2 121,318 r)

118065,3 124.823 r)

120.871 124.626 124.405 141.452 - Risk Weighted Assets

KAP Earning Assset Quality

- 96,84 94,38 97,34 96,96 96,40 96,09 95,98 95,77 95,68 95,87 95,54 95,53 95,29 94,85 94,53 95,22 5,75

- APYD - 2.121 757 3.341 4.668 5.426 5.896 6.141 6.664 8.719 7.606 9.354 8.456 9.064 9.480 10.180 10.055 11.626 - Classified Earning Assets

- Total Aktiva Produktif - 67.230 13.471 125.551 153.688 150.617 150.784 152.871 157.506 201.906 184.055 209.785 189.286 192.582 184.207 186.032 210.371 202.284 - Total Earning assets

Rentabilitas Profitability

- 1,77 1,20 2,04 1,82 1,45 0,87 1,38 1,45 1,54 r)

1,64 1,61 2,93 2,22 2,68 2,92 2.92 *) 0,97

- Pendapatan - 936 949 2.184 2.558 2.069 1.256 2.001 2.147 2,672 r)

2.874 2.838 5.300 4.061 4.889 5.235 5,235 *) 1.739 - Net Operations Income

- Rata-rata Aktiva

- 53.024 79.144

107.114 140.544 142.741 144.770 144.982 148.543 173,630 r)

175.064 176.778 180.668 182.651 182.728 179.383 179,383 *) 179.126 - Average Earning Assets

- 1,59 1,59 1,94 1,58 1,01 1,00 1,30 1,09 0,82 0,76 0,71

r)0,55 0,56

r)

0,56*)

0,49 0,41 0,88

- Laba - 960 1.460 2.397 2.573 1.770 1.728 2.050 1.949 1.505 1.378 1.328 1,045 1.051 r)

1.051*)

972 822 1.745 - Profit

- Rata-Rata total aset - 60.268 92.058 123.667 162.544 175.675 172.379 158.192 179.112 182.756 181.546 188,188 r)

188,531 189.317 r)

189.317*)

197.281 198.248 197.385 - Average Assets

- 82,38 81,65 76,35 82,16 89,25 89,22 90,91 84,50 76,49 r)

70,82 r)

79,29 r)

82,31 r)

85,70 r)

76,96 r)

78,22 81,32 94,80

- Biaya Operasional - 4.368 6.378 7.678 12.012 968 2.244 3.451 4.443 6,280 r)

6,337 r)

8,186 r)

10,104 r)

11.142 r)

11,996 r)

14.394 16.779 2.642 - Operations Expenses

- Pendapatan - 5.302 7.812 10.057 14.621 1.084 2.515 3.796 5.258 8,210 r)

8,948 r)

10,324 r)

12,275 r)

13.000 r)

15,588 r)

18.401 20.634 2.787 - Operations Income

Likuiditas Liquidity

- 16,76 19,64 18,04 16,33 16,61 15,95 16,79 18,37 17,82 17,07 18,81 18,57 19,07 19,07 21,54 18,22 25,17

- Aktiva Jangka Pendek - 9.578 16.779 18.689 20.277 20.116 19.364 20.818 20.589 24.303 23.459 26.516 26.387 26.665 26.665 31.497 27.833 44.511 - Short-Term Assets

- Kewajiban Jangka

- 57.156 85.448

103.588 124.192 121.077 121.407 123.969 112.068 136.362 137.452 140.985 142.058 139.852 139.852 146.255 152.758 176.847 - Short-Term Liabilities

- 87,60 91,41 120,65 95,87 94,94 97,77 98,11 95,50 93,55 95,21 94,02 r)

93,05 93,90 93,90 89,91 86,66 88,85

- Pembiayaan - 56.357 32.165 142.148 137.268 144.008 135.868 138.590 138.492 141.038 143.316 146,402 r)

145.971 147.737 147.737 148.403 147.944 145.976 - Financing

- Dana Pihak Ketiga - 64.335 35.186 117.817 143.174 151.688 138.967 141.260 145.014 150.757 150.530 155,707 r)

156.870 157.332 157.332 165.050 170.723 164.291 - Third Party Funds

FDR (%)

NOM (%)

Indicator2010

Classified Earning assets to

2011

FDR (%)

ROA (%)

2014

APYD terhadap Aktiva Produktif

Short Term Mistmach (%)


BOPO (%)

NOM (%)

Tabel 2.13 Kinerja Bank Umum Syariah

(Sharia Commercial Bank Performance)Miliar Rp (Billion Rp)

Operating Expenses to

Operations Revenue (%)

2012Indikator

ROA (%)


Short Term Mistmach (%)

2009 2013

68


2015


<100 miliar 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 <100 billion

>100 miliar 0 11 11 11 11 11 11 11 11 11 11 12 12 12 12 12 12 12 >100 billion

<12% 0 3 3 2 2 1 1 2 1 1 1 2 2 1 1 2 1 0 <12%

>12% 0 8 8 9 9 10 10 9 10 10 10 10 10 11 11 10 11 12 >12%

<5% 0 11 11 11 11 11 10 10 8 9 9 10 10 8 8 8 9 7 <5%

>5% 0 0 0 0 0 0 1 1 3 2 2 2 2 4 4 4 3 5 >5%

<1,5% 0 6 5 4 6 9 9 9 10 9 9 10 9 9 9 9 9 9 <1,5%

>1,5% 0 5 6 7 5 2 2 2 1 2 2 2 3 3 3 3 3 3 >1,5%

<50% 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 <50%

>50%

0 10 11 11 11 11 11 11 11 11 11 12 12 12 12 12 12 12

>50%

2011

Tabel 2.14 Bank Umum Syariah Berdasarkan Tingkat Rasio

(Sharia Commercial Based on Ratios)


FDR

NPL

2009 20122010

Modal Inti Tier One Capital

CAR Capital Adequacy Ratio

Non Performing Loan Ratio


ROA Return on Asset Ratio


Finance to Deposit Ratio

2013

69

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2015


Penyaluran Dana Fund Disbursements

a. Kredit 28.001 33.844 41.100 49.818 59.176 59.503 60.812 62.055 63.036 64.209 65.507 66.268 66.264 67.061 67.359 67.648 68.391 68.519 a. Credits

b. Antar Bank Aktiva 8.075 10.033 12.434 14.935 15.374 15.166 14.567 13.952 13.413 12.513 11.953 11.886 13.356 13.953 15.326 16.352 18.540 18.590 b. Inter-Bank Assets

Sumber Dana Source of Funds


Deposito 17.280 21.455 26.174 30.401 33.879 34.365 34.775 34.963 35.101 35.326 35.640 36.272 36.854 37.301 38.104 38.751 39.919 40.655 Time Deposits

Tabungan 8.272 9.857 12.035 14.468 16.641 16.489 16.591 16.835 17.012 16.898 16.480 16.202 16.970 17.304 17.626 18.048 18.831 18.726 Savings Deposits

b. Antar Bank Pasiva 3.947 4.739 6.420 9.528 1.896 1.882 1.919 1.905 1.850 1.762 1.672 1.593 1.649 1.708 1.848 1.918 2.006 2.047 b. Inter-Bank Liabilities

c. Pinjaman yang Diterima 541 610 443 426 11.165 10.882 10.988 11.263 11.462 11.644 12.411 12.719 12.595 12.833 12.861 13.007 13.386 12.963 c. Loans received

d. Kewajiban Segera 328 373 389 466 421 398 421 514 543 492 480 500 454 459 408 464 452 539 d. Immediate Liabilities



c. L/R Tahun Berjalan 1.158 1.447 1.853 2.328 2.661 214 417 674 875 1.117 1.354 1.506 1.741 2.008 2.254 2.484 2.682 214 c. Current Earnings

d. L/R Tahun Lalu (118) (157) (125) (24) 564 3.067 2.652 1.999 1.462 1.290 1.209 1.131 2.570 1.051 1.047 1.010 978 3.331 d. Retained Earnings

(Profit/Loss)

Ket: since November 2013, data Inter-Bank liabilities not include Loans received form other bank

since November 2013, data Loans received include Loans received form other bank

Sejak data November 2013 pos Antar Bank Pasiva tidak termasuk pinjaman yang diterima dari Bank lain.

Sejak Data November 2013 pos Pinjaman Yang Diterima termasuk pinjaman yang diterima dari Bank lain.

Beberapa Komponen Modal Several Components of Capital

Tabel 3.1 Kegiatan Usaha Bank Perkreditan Rakyat

(Rural Banks Operations)Miliar Rp (Billion Rp)

Indikator 2009 2010 Indicator2011 20122014

2013

78


2015


LDR (%) 79,61 79,02 78,54 78,63 84,34 81,06 82,11 83,18 84,25 85,37 85,80 86,71 86,10 84,96 83,98 81,08 79,79 79,05 LDR (%)

- Total Kredit 28.012 33.878 41.144 49.866 59.176 60.197 61.456 62.570 63.508 64.844 66.397 67.005 67.143 67.683 68.115 67.648 68.391 68.342 - Total Credit

- Penghimpunan Dana 29.496 36.420 44.836 54.535 60.024 62.461 63.101 63.782 64.253 64.679 65.301 65.739 66.350 67.828 69.072 70.883 72.914 72.736 - Funds collected

- Modal Inti 5.691 6.450 7.551 8.880 10.137 11.804 11.747 11.441 11.124 11.282 12.086 11.535 11.630 11.836 12.035 12.552 12.801 13.718 - Core Capital

NPL (%) 6,90 6,12 5,22 4,75 4,41 4,94 4,99 4,96 5,06 5,17 5,08 5,24 5,37 5,28 5,40 5,36 4,75 5,32 NPL (%)

- Kredit Non Lancar 1.932 2.070 2.146 2.369 2.610 2.941 3.033 3.078 3.190 3.321 3.325 3.471 3.557 3.542 3.635 3.628 3.252 3.643 - Non Current Credits

- Total Kredit 28.001 33.844 41.100 49.818 59.176 59.503 60.812 62.055 63.036 64.209 65.507 66.268 66.264 67.061 67.359 67.648 68.391 68.519 - Total Credit

ROA (%) 3,08 3,16 3,32 3,46 3,44 3,31 3,20 3,42 3,32 3,37 3,37 3,18 3,16 3,19 3,16 3,10 2,98 2,85 ROA (%)

- L/R Tahun Berjalan 1.158 1.447 1.853 2.328 2.661 214 417 674 875 1.117 1.354 1.506 1.741 2.008 2.254 2.484 2.682 214 - Current Earnings

(Profit/Loss)

- Total Aktiva 37.554 45.742 55.799 67.397 77.376 77.485 78.189 78.838 79.159 79.524 80.329 81.091 82.625 84.011 85.623 87.344 89.878 90.052 - Total Aktiva

ROE (%) 25,08 26,71 29,46 32,63 32,41 30,71 29,82 31,43 30,25 30,74 30,44 28,64 28,59 28,73 28,68 28,56 27,89 26,31 ROE (%)

- L/R Tahun Berjalan 1.158 1.447 1.853 2.328 2.661 214 417 674 875 1.117 1.354 1.506 1.741 2.008 2.254 2.484 2.682 214 - Current Earnings (Profit/Loss)

- Modal Disetor 4.072 4.757 5.517 6.227 6.997 7.106 7.131 7.258 7.334 7.357 7.532 7.644 7.755 7.936 8.051 8.105 8.227 8.351 - Paid In Capital

- Cadangan Umum 546 661 772 909 1.214 1.239 1.268 1.321 1.343 1.362 1.365 1.374 1.378 1.381 1.380 1.382 1.389 1.396 - General Reserve

Ket: *) Angka-angka sementara *) Provisional figures

20112014

20102009

Tabel 3.2 Kinerja Bank Perkreditan Rakyat

(Rural Banks Performance)Miliar Rp (Billion Rp)

Indikator Indicator2012 2013

79


2015


1. Jawa Barat 7.061 8.511 9.771 11.293 12.663 12.835 13.014 13.107 13.160 13.357 13.381 13.548 13.842 14.037 14.332 14.677 15.099 15.220 1. Jawa Barat

2. Banten 737 907 1.056 1.308 1.529 1.508 1.512 1.522 1.537 1.498 1.522 1.537 1.576 1.636 1.655 1.711 1.833 1.886 2. Banten

3. DKI Jakarta 708 922 1.341 1.579 1.625 1.637 1.636 1.674 1.628 1.667 1.678 1.694 1.720 1.729 1.780 1.807 1.889 1.881 3. DKI Jakarta

4. D.I Yogyakarta 1.848 2.250 2.610 3.097 3.510 3.522 3.529 3.535 3.568 3.596 3.671 3.704 3.755 3.826 3.926 4.028 4.127 4.147 4. D.I Yogyakarta

5. Jawa Tengah 9.190 10.899 12.851 14.938 16.844 16.836 16.945 17.127 17.131 17.170 17.267 17.440 17.882 18.110 18.526 18.838 19.234 19.341 5. Jawa Tengah

6. Jawa Timur 4.739 5.607 6.562 7.898 8.910 8.961 9.035 9.141 9.221 9.329 9.436 9.572 9.727 9.797 9.865 9.997 10.226 10.256 6. Jawa Timur


8. Jambi 244 323 424 644 738 737 744 739 734 729 732 736 740 740 740 747 759 765 8. Jambi

9. Aceh 121 104 125 138 161 162 164 163 164 163 160 157 161 162 164 165 168 168 9. Aceh

10. Sumatera Utara 580 677 763 877 967 976 980 983 978 978 991 997 1.017 1.035 1.048 1.055 1.049 1.063 10. Sumatera Utara

11. Sumatera Barat 1.025 1.157 1.278 1.406 1.337 1.318 1.322 1.322 1.313 1.306 1.288 1.253 1.296 1.296 1.318 1.320 1.346 1.341 11. Sumatera Barat

12. Riau 601 735 899 1.015 1.050 1.070 1.072 1.078 1.054 1.048 1.071 1.052 1.081 1.080 1.109 1.107 1.134 1.124 12. Riau

13. Kepulauan Riau 1.349 2.161 2.836 3.425 3.842 3.827 3.844 3.855 3.864 3.894 4.001 4.041 4.114 4.218 4.320 4.369 4.446 4.536 13. Kepulauan Riau

14. Sumatera Selatan 520 645 834 996 1.046 1.016 1.033 1.035 1.036 1.027 1.021 1.036 1.024 1.083 1.099 1.100 1.156 1.107 14. Sumatera Selatan


16. Lampung 3.037 3.539 4.386 5.167 6.678 6.740 6.838 6.802 6.871 6.872 7.000 7.058 7.116 7.221 7.412 7.577 7.897 7.882 16. Lampung


18. Kalimantan Barat 577 670 820 979 953 922 927 926 977 942 956 946 978 1.024 983 1.023 1.020 1.005 18. Kalimantan Barat



21. Sulawesi Tengah 254 309 504 955 1.372 1.358 1.367 1.416 1.425 1.424 1.429 1.443 1.448 1.468 1.482 1.496 1.535 1.492 21. Sulawesi Tengah

22. Sulawesi Selatan 336 457 669 925 1.064 1.117 1.131 1.156 1.164 1.163 1.190 1.205 1.203 1.223 1.255 1.276 1.310 1.336 22. Sulawesi Selatan





27. Nusa Tenggara Barat 535 585 716 840 940 933 941 943 944 952 929 940 967 992 1.010 1.032 1.062 1.066 27. Nusa Tenggara Barat

28. Bali 2.663 3.431 4.801 6.326 7.721 7.845 7.925 7.981 8.123 8.104 8.250 8.347 8.507 8.719 8.894 9.115 9.380 9.361 28. Bali


30. Maluku 210 217 391 747 1.001 856 880 917 927 949 977 980 998 1.021 1.054 1.073 1.174 1.119 30. Maluku

31. Papua 215 231 314 516 609 586 587 607 626 628 640 643 663 693 712 728 754 745 31. Papua


33. Papua Barat - 29 74 152 221 207 252 202 206 206 204 209 217 231 243 257 280 292 33. Papua Barat

34. Lainnya - - - - - - - - - - - - - - - - - - 34. Others

Total 37.554 45.742 55.799 67.397 77.376 77.485 78.189 78.838 79.159 79.524 80.329 81.091 82.625 84.011 85.623 87.344 89.878 90.052 Total

Location2013

Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi BPR

(Growth of Rural Banks Asset Based on Location)Miliar Rp (Billion Rp)

Lokasi 201120092014

20122010

80


2015


Total Aset BPR 46 25 16 12 9 13 12 11 10 10 8 9 8 9 8 7 12 6 Total Asset Rural bank

< 1 Miliar < 1 Billion


1 s.d 5 Miliar 1 up to 5 Billion


5 s.d 10 Miliar 5 up to 10 Billion

Total Aset BPR 779 907 1.002 1.079 1.146 1.153 1.159 1.160 1.158 1.158 1.157 1.161 1.168 1.169 1.178 1.185 1.196 1.204 Total Asset Rural bank

> 10 Miliar > 10 Billion

Total 1.733 1.706 1.669 1.653 1.635 1.636 1.636 1.636 1.635 1.634 1.634 1.635 1.634 1.634 1.635 1.637 1.643 1.643 Total

Total Asset2014

2010Total Aset 2009 20122011

Tabel 3.4 Jumlah BPR Berdasarkan Total Aset

(Rural Banks Based on Total Assets)Miliar Rp (Billion Rp)

2013

81


2015


Kredit 28.001 33.844 41.100 49.818 59.176 59.503 60.812 62.055 63.036 64.209 65.507 66.268 66.264 67.061 67.359 67.648 68.391 68.519 Credit


b. Kurang Lancar 457 514 495 577 640 890 932 941 957 979 982 1.039 1.055 1.001 1.020 993 773 1.058 b. Sub-Standard

c. Diragukan 335 398 420 453 537 567 570 570 617 652 645 687 705 722 730 746 713 742 c. Doubtful

d. Macet 1.140 1.158 1.231 1.339 1.433 1.483 1.531 1.567 1.616 1.690 1.698 1.745 1.797 1.819 1.885 1.889 1.766 1.842 d. Lost

1.932 2.070 2.146 2.369 2.610 2.941 3.033 3.078 3.190 3.321 3.325 3.471 3.557 3.542 3.635 3.628 3.252 3.643

6,90 6,12 5,22 4,75 4,41 4,94 4,99 4,96 5,06 5,17 5,08 5,24 5,37 5,28 5,40 5,36 4,75 5,32

Non Performing Loan (Nominal)

Collectibility

Rasio Non Performing Loan (%)

Non Performing Loan (Nominal)

2014Kolektibilitas 2009 2010

Non Performing Loan Ratio (%)

2011 2012

Tabel 3.5 Non Performing Loan Bank Perkreditan Rakyat

(NPL of Rural Bank)Miliar Rp (Billion Rp)

2013

82


2015


1. Jawa Barat 417 427 455 501 529 566 590 593 605 625 625 677 700 724 739 738 700 748 1. Jawa Barat

2. Banten 70 81 85 89 99 106 107 104 107 109 96 108 118 112 114 111 101 108 2. Banten

3. DKI Jakarta 36 46 46 64 64 83 84 79 84 78 82 70 59 63 70 73 66 74 3. DKI Jakarta

4. D.I Yogyakarta 80 103 109 115 123 136 146 147 148 154 164 169 173 160 165 173 144 170 4. D.I Yogyakarta

5. Jawa Tengah 618 658 675 687 697 793 814 818 838 878 886 917 940 935 945 944 825 909 5. Jawa Tengah

6. Jawa Timur 155 176 194 204 247 278 291 305 332 339 340 363 383 392 411 418 374 419 6. Jawa Timur


8. Jambi 14 14 13 14 36 43 44 48 50 52 55 58 58 60 63 67 64 71 8. Jambi

9. Aceh 33 10 6 6 8 10 10 10 12 12 13 13 13 13 12 12 11 12 9. Aceh



12. Riau 27 40 49 89 103 113 114 115 113 120 121 127 124 123 119 120 112 120 12. Riau

13. Kepulauan Riau 9 22 37 62 65 84 76 76 84 96 89 88 92 95 99 96 80 107 13. Kepulauan Riau



16. Lampung 84 52 51 57 65 70 74 72 76 73 75 78 80 81 85 89 77 84 16. Lampung












28. Bali 126 98 95 103 138 156 165 167 178 205 194 203 195 180 195 185 168 203 28. Bali


30. Maluku 2 6 5 4 4 5 5 5 5 5 6 4 6 4 4 4 4 4 30. Maluku

31. Papua 6 6 4 5 7 7 8 9 9 10 9 9 9 9 10 10 10 11 31. Papua


33. Papua Barat - 0 0 0 - - - 3 3 4 4 4 4 5 5 6 3 4 33. Papua Barat

34. Lainnya - - - - - - - - - - - - - - - - - - 34. Others

Total 1.932 2.070 2.146 2.369 2.610 2.941 3.035 3.078 3.190 3.321 3.325 3.471 3.557 3.542 3.635 3.628 3.252 3.643 Total

201420132010

Tabel 3.6 Non Performing Loan BPR Berdasarkan Lokasi

(NPL of Rural Banks Based On Location)Miliar Rp (Billion Rp)

2009 Location2011Lokasi 2012

83


Nominal

Komposisi thd

Total DPK (%)

(Composition to Total Third

Party Funds) (%)

Nominal

Komposisi thd

Total DPK (%)


Party Funds) (%)

Nominal

Komposisi thd

Total DPK (%)


Party Funds) (%)

Nominal

Komposisi thd

Total DPK (%)

(Composition

to Total Third

Party Funds)

(%)

Nominal

Komposisi thd

Total DPK (%)


Funds) (%)

Nominal

Komposisi thd

Total DPK (%)


Funds) (%)

Nominal

Komposisi thd

Total DPK (%)


Funds) (%)

Nominal

Komposisi thd

Total DPK (%)


Funds) (%)

Deposito 14.204 66,56 17.280 67,63 21.455 68,52 26.174 68,50 30.401 67,75 33.879 67,06% 39.919 67,95% 40.655 68,46% Time Deposits

Tabungan 7.135 33,44 8.272 32,37 9.857 31,48 12.035 31,50 14.468 32,25 16.641 32,94% 18.831 32,05% 18.726 31,54% Saving

Total DPK 21.339 100,00 25.552 100,00 31.312 100,00 38.209 100,00 44.870 100,00 50.520 100% 58.750 100% 59.381 100% Total Third Party Funds


Tabel 3.7 Komposisi DPK Bank Perkreditan Rakyat

(Composition of Third Party Funds of Rural Bank)Miliar Rp (Billion Rp)

Indikator

Desember 2008 Desember 2009 Desember 2011 Januari 2015

Indicator


84


Tabungan

(Saving Deposits)Deposito

(Time Deposits)Total DPK

(Total of Third Party Funds)

1. Jawa Barat 2.741 8.162 10.904 18,36% 1. Jawa Barat

2. Banten 286 875 1.160 1,95% 2. Banten

3. DKI Jakarta 145 1.084 1.229 2,07% 3. DKI Jakarta

4. D.I Yogyakarta 957 2.041 2.998 5,05% 4. D.I Yogyakarta

5. Jawa Tengah 5.886 8.207 14.093 23,73% 5. Jawa Tengah

6. Jawa Timur 1.997 4.291 6.288 10,59% 6. Jawa Timur

7. Bengkulu 17 16 33 0,06% 7. Bengkulu

8. Jambi 82 494 576 0,97% 8. Jambi

9. Aceh 34 51 85 0,14% 9. Aceh

10. Sumatera Utara 397 397 794 1,34% 10. Sumatera Utara

11. Sumatera Barat 599 375 975 1,64% 11. Sumatera Barat

12. Riau 329 455 784 1,32% 12. Riau

13. Kepulauan Riau 492 3.204 3.696 6,22% 13. Kepulauan Riau

14. Sumatera Selatan 180 496 676 1,14% 14. Sumatera Selatan

15. Bangka Belitung 14 62 76 0,13% 15. Bangka Belitung

16. Lampung 713 3.138 3.852 6,49% 16. Lampung

17. Kalimantan Selatan 116 171 287 0,48% 17. Kalimantan Selatan

18. Kalimantan Barat 320 442 762 1,28% 18. Kalimantan Barat

19. Kalimantan Timur 87 97 183 0,31% 19. Kalimantan Timur

20. Kalimantan Tengah 95 105 200 0,34% 20. Kalimantan Tengah

21. Sulawesi Tengah 64 303 367 0,62% 21. Sulawesi Tengah

22. Sulawesi Selatan 185 569 754 1,27% 22. Sulawesi Selatan

23. Sulawesi Utara 130 653 784 1,32% 23. Sulawesi Utara

24. Sulawesi Tenggara 52 38 90 0,15% 24. Sulawesi Tenggara

25. Sulawesi Barat 1 2 3 0,01% 25. Sulawesi Barat

26. Gorontalo 8 12 20 0,03% 26. Gorontalo

27. Nusa Tenggara Barat 363 329 692 1,17% 27. Nusa Tenggara Barat

28. Bali 2.129 3.804 5.932 9,99% 28. Bali

29. Nusa Tenggara Timur 119 190 309 0,52% 29. Nusa Tenggara Timur

30. Maluku 65 232 297 0,50% 30. Maluku

31. Papua 69 188 257 0,43% 31. Papua

32. Maluku Utara 6 11 17 0,03% 32. Maluku Utara

33. Papua Barat 46 162 208 0,35% 33. Papua Barat

34. Lainnya - - - 0,00% 34. Others

Total 18.726 40.655 59.381 100,00% Total

Tabel 3.8 Komposisi DPK BPR Berdasarkan Lokasi Penghimpunan - Januaari 2015

(Composition of Third Party Funds of Rural Banks Based on Location - January 2015)

LokasiPangsa Thd Total DPK (%)

(Portion to Total Third Party Funds (%)Location


85


2015



2. Banten 382 509 661 816 953 958 957 955 961 948 945 937 980 1.021 1.027 1.058 1.114 1.160 2. Banten

3. DKI Jakarta 420 600 837 1.063 1.001 1.010 1.027 1.057 1.032 1.062 1.054 1.064 1.102 1.104 1.130 1.140 1.209 1.229 3. DKI Jakarta





8. Jambi 186 244 316 482 532 534 541 541 536 536 540 542 551 551 548 555 567 576 8. Jambi

9. Aceh 37 41 55 61 80 82 85 83 83 83 80 78 81 81 83 83 85 85 9. Aceh



12. Riau 417 525 629 678 699 719 725 730 727 717 728 724 752 748 769 765 787 784 12. Riau




16. Lampung 1.945 2.427 2.883 3.249 3.373 3.443 3.529 3.501 3.484 3.474 3.441 3.493 3.525 3.511 3.614 3.644 3.724 3.852 16. Lampung












28. Bali 1.803 2.331 3.254 4.054 4.959 5.099 5.161 5.198 5.298 5.225 5.265 5.306 5.401 5.502 5.598 5.716 5.905 5.932 28. Bali


30. Maluku 99 105 251 271 313 195 198 259 257 280 263 253 242 230 223 233 329 297 30. Maluku

31. Papua 152 166 224 203 229 224 221 250 265 254 246 234 232 232 230 239 251 257 31. Papua


33. Papua Barat - 26 63 111 155 141 143 142 144 143 141 144 151 164 164 174 198 208 33. Papua Barat

34. Lainnya - - - - - - - - - - - - - - - - - - 34. Others

Total 25.552 31.312 38.209 44.870 50.520 50.853 51.367 51.799 52.113 52.224 52.120 52.474 53.824 54.605 55.730 56.800 58.750 59.381 Total

2009 2010

Tabel 3.9 DPK BPR Berdasarkan Lokasi Penghimpunan

(Third Party Funds of Rural Banks Based on Deposits Location)Miliar Rp (Billion Rp)

Lokasi Location2011 20122014

2013

86


2015


Tabungan

6,32 5,53 5,21 4,68 4,63 4,62 5,03 5,07 4,62 4,68 4,66 4,62 4,66 4,61 4,62 4,72 4,56 4,65 Saving

Deposito

10,81 10,25 9,85 8,40 9,61 9,65 10,19 10,19 9,80 10,30 9,73 9,81 10,28 10,32 10,26 10,30 10,10 10,04 Time Deposits

Ket: Data tersedia mulai Desember 2008 Note: Data available on December 2008

r) Revisi r) revised

2009 2010 2011

Tabel 3.10 Suku Bunga Rata-rata DPK Bank Perkreditan Rakyat

(Average of Third Party Interest Rates of Rural Banks)Persen (Percent)


2013

87


2015

Novr) Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

1 Pertanian, Perburuhan, dan

Kehutanan

38,29 36,58 35,51 35,73 35,51 35,55 37,15 37,19 36,87 33,90 33,95 33,68 33,58 33,77 33,70 33,72 33,78 33,76 1. Agriculture, hunting, and forestry

2 Perikanan 33,39 32,10 31,32 31,17 31,19 31,20 32,05 32,11 31,96 30,45 30,19 30,42 30,47 30,14 30,22 30,15 30,22 30,39 2. Fisheries

3 Pertambangan dan Penggalian 28,29 26,58 26,60 25,36 25,22 25,78 25,98 25,90 26,39 26,01 25,47 26,03 25,20 25,35 25,38 25,24 25,17 24,68 3. Mining and quarrying

4 Industri Pengolahan 30,67 29,14 28,44 28,32 27,62 27,60 33,47 27,65 27,29 27,23 27,67 27,49 27,65 27,67 27,53 27,62 27,68 27,80 4. Processing industry

5 Listrik, Gas dan Air 34,43 30,33 29,08 30,60 27,89 27,47 27,45 27,99 27,97 27,92 27,27 28,72 27,25 28,21 28,19 27,96 29,06 28,84 5. Electricity, gas and water

6 Konstruksi 31,41 29,72 28,59 25,28 24,93 24,92 26,84 27,40 27,64 25,02 25,09 24,67 24,77 25,03 26,55 26,64 26,31 26,39 6. Construction

7 Perdagangan Besar dan Eceran 33,14 31,97 30,41 30,80 30,24 30,31 31,53 30,38 30,48 29,05 29,03 28,95 29,08 29,01 28,99 29,12 28,91 28,99 7. Big and retail trade

8 Penyediaan Akomodasi dan Penyedian

Makan Minum

27,99 28,53 28,53 25,95 25,72 26,11 26,23 26,32 26,32 26,10 26,26 26,43 26,47 26,34 25,92 26,01 26,04 25,73 8. Provision of accommodation and food

supply drinking

9 Transportasi, Pergudangan dan

Komunikasi

30,12 28,11 27,89 26,86 27,47 27,18 39,39 27,83 27,59 26,97 26,86 26,91 26,96 27,11 26,94 26,84 26,85 26,74 9. Transportation, warehousing and

communications

10 Perantara Keuangan 25,28 24,20 23,52 22,21 22,80 22,72 22,52 22,19 22,14 21,57 21,84 21,70 22,05 22,09 22,33 22,44 22,19 22,63 10. Transitional finance

11 Real Estate 27,26 22,77 21,50 23,05 22,76 23,41 23,51 23,56 25,32 24,03 24,11 24,36 23,73 24,56 22,73 22,81 22,76 22,89 11. Real estate, rental business, and services

company

12 Administrasi Pemerintahan,

Pertanahan Dan Jaminan Sosial Wajib

35,78 26,38 27,60 27,47 28,85 27,64 27,64 27,86 26,90 27,28 27,08 27,28 27,53 26,75 26,65 26,76 26,44 26,64 12. Government administration, the defense

and compulsory social security

13 Jasa Pendidikan 31,61 28,84 28,20 26,15 26,41 27,14 28,37 27,19 27,24 27,98 27,81 27,91 28,07 28,24 27,87 27,91 27,97 27,95 13. Education services

14 Jasa Kesehatan dan Kegiatan Sosial 30,51 30,86 28,89 27,61 22,60 22,74 27,07 27,68 27,22 26,78 26,56 26,41 26,34 26,97 27,47 27,69 27,46 27,42 14. Health and social services

15 Jasa Kemasyarakatan, Sosial Budaya,

Hiburan dan Perorangan Lainnya

29,05 28,23 27,98 29,94 28,63 28,63 32,91 29,10 28,01 28,51 28,95 28,83 29,52 29,33 29,43 29,38 29,43 29,73 15. Community, Sociocultural,Entertainment

and Other Individual Services

16 Jasa Perorangan yang Melayani

Rumah Tangga

31,07 32,82 31,15 30,94 28,94 29,17 29,63 29,89 30,10 29,39 29,27 29,45 29,25 28,91 28,80 28,67 28,71 28,35 16. Individual services serving the household

17 Kegiatan Usaha yang Belum Jelas

Batasannya

29,35 29,11 28,00 30,03 29,24 30,08 36,70 30,12 29,82 29,61 29,27 28,38 28,64 28,40 29,36 29,03 28,92 28,99 17. International Agency and Other Extra

Agency International

18 Bukan Lapangan Usaha - Rumah

Tangga

28,12 27,39 26,19 24,33 25,17 24,55 25,51 24,43 24,18 24,56 24,94 25,03 25,01 25,08 24,63 25,00 24,90 24,88 18. Business Activities which are not clearly

defined

19 Bukan Lapangan Usaha - Lainnya 27,71 26,88 25,90 25,13 25,18 25,16 25,59 25,51 27,33 24,93 25,13 25,53 25,53 25,50 25,55 25,61 25,55 25,63 19. Not the business field - other

Ket: r) revisi

Tabel 3.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi

(Average of Credit Interest Rates of Rural Banks Based on Economic Sector)Persen (Percent)

r) revised

Sektor Ekonomi Economic Sector

2013 2014

2010 20122011

88


2015


Modal Kerja 34,83 33,21 32,05 30,91 30,56 30,71 33,56 36,72 36,17 29,64 29,64 29,44 29,61 29,55 29,55 29,58 29,45 29,53 Total Working Capital

Investasi 30,37 29,01 28,23 26,62 25,36 25,49 25,73 25,94 26,22 26,08 26,04 26,02 25,89 25,97 25,94 25,97 25,88 25,92 Total Investment

Konsumsi 29,14 27,81 27,00 25,97 25,13 25,05 25,58 25,42 27,07 24,90 25,11 25,48 25,49 25,47 25,47 25,56 25,50 25,56 Total Consumption

Ket: Data tersedia mulai Desember 2008 Note: Data available on December 2008

r) revisi r) revised

Tabel 3.12 Suku Bunga Rata-rata Kredit BPR Berdasarkan Jenis Penggunaan

(Average of Credit Interest Rates of Rural Banks Based on Type of Use)Persen (Percent)

Jenis Penggunaan 2009 2010 2011 Type of Use20122014

2013

89


2015


Jumlah BPR 1.733 1.706 1.669 1.653 1.635 1.636 1.636 1.636 1.635 1.634 1.634 1.635 1.634 1.634 1.635 1.637 1.643 1.643 Total Rural Banks


Keterangan 2009 2010 2011 Information

Tabel 3.13 Perkembangan Jumlah Bank Perkreditan Rakyat

(Growth of Total Rural Banks)

20122014

2013

90


KP KC KPK

1. Jawa Barat 299 321 202 822 1. Jawa Barat

2. Banten 66 45 38 149 2. Banten

3. DKI Jakarta 25 11 38 74 3. DKI Jakarta

4. D.I Yogyakarta 54 37 136 227 4. D.I Yogyakarta

5. Jawa Tengah 252 503 457 1.212 5. Jawa Tengah

6. Jawa Timur 325 224 676 1.225 6. Jawa Timur

7. Bengkulu 4 5 4 13 7. Bengkulu

8. Jambi 19 6 3 28 8. Jambi

9. Aceh 5 14 1 20 9. Aceh

10. Sumatera Utara 54 40 18 112 10. Sumatera Utara

11. Sumatera Barat 95 39 18 152 11. Sumatera Barat

12. Riau 33 10 14 57 12. Riau

13. Kepulauan Riau 40 28 2 70 13. Kepulauan Riau

14. Sumatera Selatan 19 11 8 38 14. Sumatera Selatan

15. Bangka Belitung 3 3 2 8 15. Bangka Belitung

16. Lampung 26 31 6 63 16. Lampung

17. Kalimantan Selatan 25 5 1 31 17. Kalimantan Selatan

18. Kalimantan Barat 21 7 2 30 18. Kalimantan Barat

19. Kalimantan Timur 14 8 5 27 19. Kalimantan Timur

20. Kalimantan Tengah 4 1 5 20. Kalimantan Tengah

21. Sulawesi Tengah 9 15 7 31 21. Sulawesi Tengah

22. Sulawesi Selatan 23 9 7 39 22. Sulawesi Selatan

23. Sulawesi Utara 18 24 10 52 23. Sulawesi Utara

24. Sulawesi Tenggara 17 4 2 23 24. Sulawesi Tenggara

25. Sulawesi Barat 1 - 1 25. Sulawesi Barat

26. Gorontalo 4 3 1 8 26. Gorontalo

27. Nusa Tenggara Barat 29 47 15 91 27. Nusa Tenggara Barat

28. Bali 137 45 112 294 28. Bali

29. Nusa Tenggara Timur 11 4 3 18 29. Nusa Tenggara Timur

30. Maluku 2 6 2 10 30. Maluku

31. Papua 6 10 1 17 31. Papua

32. Maluku Utara 2 3 - 5 32. Maluku Utara

33. Papua Barat 1 3 - 4 33. Papua Barat

34. Lainnya - - - - 34. Others

Total 1.643 1.521 1.792 4.956 Total

Tabel 3.14 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi - Januari 2015

(Growth of Total Rural Bank and Rural Banks Offices Based on Location - January 2015)

LokasiBPR (Rural Bank)

Total Location

91

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inte

nti

on

all

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ftbla

nk

Hala

mn

ini

sen

gaja

dik

oson

gk

a

viii

T


2015

Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

1. Pertanian, Perburuan dan Kehutanan 109.790 142.451 167.372 169.934 177.162 176.796 178.639 182.528 188.096 191.801 194.180 196.758 199.640 200.975 201.844 206.433 212.386 211.790 1. Agricultures, Hunting and Forestry

NPL 1.523 2.603 2.749 2.710 2.553 2.851 2.995 3.007 2.966 3.751 4.070 3.962 4.204 4.142 4.047 4.075 3.827 4.196 NPL

2. Perikanan 4.935 5.492 6.084 6.060 6.391 6.317 6.243 6.329 6.464 6.695 6.936 6.735 6.831 7.144 7.217 7.459 7.698 7.601 2. Fisher

NPL 291 197 191 190 185 205 216 206 228 236 204 247 238 207 241 212 195 212 NPL

3. Pertambangan dan Penggalian 87.780 104.207 109.795 121.198 126.826 121.459 122.565 119.213 124.408 117.358 116.626 122.258 129.056 133.897 125.620 128.754 141.824 142.816 3. Mining and Quarrying

NPL 302 1.292 2.042 1.793 1.920 1.949 2.046 2.309 2.401 2.907 2.900 3.778 3.191 4.306 4.196 4.269 3.574 3.651 NPL

4. Industri Pengolahan 344.597 445.807 538.245 555.964 577.880 574.794 567.640 572.834 580.929 587.325 607.190 611.010 608.608 629.829 632.111 638.484 660.536 656.410 4. Procesing Industry

NPL 11.746 10.479 9.844 9.631 10.023 10.178 10.723 12.186 11.550 11.704 12.126 12.410 12.611 13.514 13.608 13.563 12.267 12.933 NPL

5. Listrik, gas dan air 45.841 59.073 73.736 79.211 79.493 84.659 89.839 89.535 90.340 91.012 83.257 86.651 88.636 88.079 76.664 78.703 81.130 84.242 5. Electricity, Gas and Water

NPL 247 253 275 606 587 590 581 762 767 890 879 881 889 1.124 1.053 1.580 1.547 1.600 NPL

6. Konstruksi 75.395 95.921 118.020 117.802 116.090 111.062 112.239 116.372 119.956 121.942 128.019 133.573 137.650 142.942 149.009 149.384 147.266 141.592 6. Construction

NPL 2.865 3.410 4.566 4.433 4.746 4.514 4.603 4.571 5.286 5.651 5.429 5.885 6.328 6.497 6.999 7.538 6.784 7.439 NPL

7. Perdagangan Besar dan Eceran 375.017 499.567 627.483 628.493 644.047 631.958 636.212 650.833 664.979 679.164 698.881 699.325 693.478 699.227 701.926 710.895 716.733 704.159 7. Wholesale and Retail Trade

NPL 12.500 12.668 16.534 16.558 15.898 17.026 18.565 18.299 18.832 20.639 20.858 22.231 22.647 21.673 23.110 23.270 22.782 24.820 NPL

8. Penyediaan akomodasi dan 30.425 44.640 56.324 57.698 59.306 59.226 60.924 62.240 63.699 65.254 66.762 66.437 67.214 68.840 69.290 70.278 73.583 73.220 8. Provision of accomodation and the

penyediaan makan minum provision of eating and drinking

NPL 629 443 873 857 571 683 736 854 1.041 1.133 1.467 1.168 1.203 1.111 1.155 1.068 1.057 1.241 NPL

9. Transportasi, pergudangan

dan komunikasi

97.966 122.235 153.356 156.739 163.418 160.024 157.610 160.246 167.688 181.487 181.200 178.921 179.028 181.669 175.919 172.309 171.805 168.280 9. Transportation, Warehousing

and Communications

NPL 2.400 2.522 3.789 3.851 3.208 3.344 3.640 3.818 4.288 4.790 4.461 4.977 6.267 6.890 5.946 5.757 5.516 5.695 NPL

10. Perantara Keuangan 105.184 124.958 146.393 147.692 151.154 146.748 144.402 149.166 148.907 160.700 173.646 170.039 161.719 165.558 166.598 165.663 166.182 162.418 10. Financial intermediaries

NPL 309 193 365 385 427 476 517 507 518 720 1.484 1.121 1.125 1.062 1.637 1.570 1.559 1.925 NPL

11. Real Estate, Usaha Persewaan,

dan Jasa Perusahaan

116.201 150.568 188.148 189.420 193.182 190.016 190.397 193.181 195.357 153.210 157.973 159.276 160.271 161.521 160.189 162.289 165.466 161.036 11. Real Estate, Business, Ownership,

and Business Services

NPL 1.767 2.446 3.351 3.598 3.477 3.987 3.923 4.130 4.882 2.873 2.790 3.245 3.451 2.958 3.496 3.759 3.391 3.683 NPL

12. Admistrasi Pemerintahan, Pertahanan

dan Jaminan Sosial Wajib

3.014 2.793 6.062 6.529 12.475 6.659 7.972 8.037 7.954 8.239 8.672 8.726 9.021 9.712 9.695 9.893 11.002 10.982 12. Government administration, Defese

and Compulsory social security

NPL 15 5 2 2 4 5 5 7 16 9 9 7 7 7 7 6 7 7 NPL

13. Jasa Pendidikan 4.064 4.612 5.128 5.161 5.477 5.446 5.650 5.753 6.005 6.327 6.562 6.655 6.575 6.756 6.691 6.738 6.648 6.560 13. Education Services

NPL 63 50 57 61 57 64 67 59 73 55 71 74 74 70 83 72 69 73 NPL

14. Jasa Kesehatan dan Kegiatan Sosial 7.611 8.671 9.509 9.713 10.153 10.110 10.174 10.186 10.655 10.631 11.010 11.357 11.348 11.833 11.725 12.138 12.325 12.423 14. Health Services and Social Activities

NPL 334 396 206 201 197 196 204 221 240 252 253 288 301 270 181 215 197 197 NPL

15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan

dan Perorangan lainnya

39.294 45.006 51.992 52.352 53.861 53.901 54.020 53.871 54.749 51.077 50.622 56.880 56.422 57.774 57.841 59.277 67.744 60.308 15. Community,

Sociocultural,Entertainment and Other

Individual Services

NPL 774 1.088 1.412 1.416 1.181 1.257 1.341 1.357 1.460 1.547 1.577 2.120 2.183 2.132 2.134 2.080 1.929 2.111 NPL

16. Jasa Perorangan yang Melayani

Rumah Tangga

691 711 1.420 1.478 1.537 1.562 1.633 1.671 1.749 1.849 1.927 2.007 2.026 2.084 2.111 2.176 2.220 2.243 16. Individual Services which

Serve Households

NPL 37 49 42 42 34 39 45 42 43 51 52 64 65 63 60 58 53 63 NPL

17. Badan Internasional dan

Badan Ekstra Internasional Lainnya

3.305 501 334 335 318 329 309 300 294 297 286 282 278 274 221 215 211 213 17. International Agency and Other Extra


NPL 53 8 8 8 6 6 6 7 7 8 10 9 9 8 7 7 7 7 NPL

18. Kegiatan yang belum jelas

batasannya

81.689 50.396 2.165 4.316 3.984 3.748 3.460 3.473 4.355 21.386 14.746 11.088 11.496 12.706 13.195 14.235 15.889 15.590 18. Business Activities which are not

clearly defined

NPL 1.339 892 46 39 25 25 28 14 21 2.059 1.118 218 231 226 154 289 304 308 NPL

Loans to Non Industrial Origin


- Untuk Pemilikan Rumah Tinggal 176.659 211.476 264.345 266.132 268.764 268.238 269.770 272.002 273.023 288.374 292.821 291.883 292.586 295.191 297.503 300.271 302.916 301.781 - For Home Ownership

NPL 3.291 4.395 6.286 6.237 5.766 6.517 6.752 6.578 6.694 7.196 7.136 7.457 7.453 7.293 7.268 7.238 6.533 7.461 NPL

- Untuk Pemilikan Flat atau Apartemen 5.573 10.275 11.943 11.999 12.024 11.972 11.931 12.000 12.020 13.044 13.068 13.076 13.032 13.106 13.211 13.169 13.236 13.140 - For Apartement Ownership

NPL 57 86 94 81 89 94 91 98 108 119 119 126 139 144 141 149 144 171 NPL

- Untuk Pemilikan Ruko atau Rukan 15.207 19.988 24.754 24.830 24.979 24.760 24.707 24.824 24.871 37.771 36.664 25.614 25.679 25.646 25.838 25.768 25.969 26.182 - For Shop House Ownership

NPL 260 380 539 539 532 578 626 622 636 950 866 631 665 678 685 684 651 732 NPL

- Untuk Pemilikan Kendaraan Bermotor 105.725 98.658 106.601 107.354 104.458 108.679 108.795 108.118 105.775 114.183 115.859 122.046 120.972 121.099 122.069 123.441 123.165 123.919 - For Vehicles Ownership

NPL 998 1.082 876 859 849 862 872 1.012 1.189 1.407 1.477 1.422 1.436 1.387 1.385 1.355 1.312 1.334 NPL

- Untuk Pemilikan Peralatan Rumah

Tangga Lainnya (termasuk pinjaman

multiguna)

119.841 278.867 273.558 275.112 277.825 278.006 280.701 282.372 283.960 298.034 302.173 313.982 314.774 319.180 357.025 361.017 367.466 369.258 - Others

NPL 1.413 2.663 2.622 2.621 2.483 2.689 2.810 2.798 2.834 3.510 3.521 3.862 3.901 3.818 3.892 3.921 3.667 4.119 NPL

Bukan Lapangan Usaha Lainnya 244.288 180.987 216.711 218.877 222.068 221.951 221.986 221.814 225.117 195.989 199.084 200.448 202.025 206.249 174.558 177.627 180.908 178.453 Non Industrial Origin Others

NPL 4.482 2.995 3.644 3.713 3.462 3.698 3.688 2.614 2.799 1.845 1.956 2.027 2.101 2.097 1.984 2.022 2.017 2.139 NPL

r) Revised figures

Tabel 4.1.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit (Credit Channeling and NPL Credit Channeling of Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)


Keterangan Items

Penerima Kredit Bukan Lapangan Usaha

Penerima Kredit Lapangan Usaha

2013

Loans by Industrial Origin


20142011 2012

94


2015



NPL 677 1.397 1.193 1.152 1.186 1.252 1.258 1.255 1.259 1.295 1.322 1.309 1.372 1.315 1.350 1.351 1.291 1.444 NPL


NPL 209 108 116 113 112 129 136 128 138 141 122 156 145 115 128 97 88 99 NPL


NPL 83 217 218 215 217 254 256 305 310 360 339 899 339 962 674 779 881 884 NPL


NPL 4.740 4.499 3.912 3.820 3.883 4.169 4.177 3.996 4.045 3.955 3.935 3.945 3.957 3.897 4.009 4.029 3.388 3.654 NPL


NPL 39 14 14 15 13 16 13 13 15 16 17 19 18 17 17 442 441 441 NPL


NPL 1.133 1.198 1.904 1.681 1.598 1.756 1.777 1.630 1.856 2.016 2.038 2.152 2.139 2.077 2.201 2.230 2.012 2.282 NPL


NPL 6.206 6.391 8.444 8.319 7.887 8.771 9.108 8.791 8.905 9.543 9.256 9.631 9.755 9.425 9.436 9.293 8.537 9.725 NPL



NPL 279 134 261 258 257 352 365 358 392 418 783 436 438 417 440 401 378 502 NPL


dan komunikasi


and Communications

NPL 761 680 715 630 617 688 812 989 987 1.016 983 998 2.041 2.216 1.003 993 1.005 1.073 NPL


NPL 173 47 129 137 137 140 167 156 146 154 83 84 100 96 102 98 78 347 NPL


dan Jasa Perusahaan


and Business Services NPL 285 364 610 597 540 644 645 641 670 577 580 638 662 654 645 647 633 837 NPL



2.382 2.199 5.547 5.994 11.926 6.113 7.451 7.534 7.449 7.559 8.022 8.158 8.463 9.001 8.991 9.173 9.551 9.569 12. Government administration, Defese


NPL 15 5 1 2 4 4 5 6 5 3 3 3 3 3 3 3 3 3 NPL

13. Jasa Pendidikan 682 701 867 835 896 934 1.009 1.061 1.060 1.086 1.123 1.103 1.122 1.130 1.144 1.148 1.164 1.145 13. Education Services

NPL 17 11 14 13 13 13 15 15 17 14 15 18 16 14 20 17 16 18 NPL


NPL 214 260 136 135 134 130 134 141 153 150 148 172 170 153 58 52 45 52 NPL



5.633 7.631 10.627 10.993 11.588 11.795 12.305 12.599 13.166 13.443 13.955 16.092 15.558 15.989 16.735 18.695 26.366 19.341 15. Community,


Individual Services NPL 136 176 205 217 203 238 252 244 247 433 470 557 566 495 531 505 474 558 NPL


Rumah Tangga

222 350 1.032 1.087 1.154 1.180 1.232 1.292 1.362 1.425 1.502 1.543 1.569 1.622 1.674 1.724 1.762 1.780 16. Individual Services which

Serve Households

NPL 7 8 9 9 9 12 14 17 17 25 26 37 37 37 37 37 34 42 NPL



3.208 14 0 1 1 1 1 2 4 4 2 1 1 3 3 4 4 4 17. International Agency and Other Extra


NPL 53 - - - - - - - - - - - - - - - - - NPL


batasannya

61.692 46.968 478 1.871 1.975 1.866 1.720 1.708 1.634 1.665 1.677 4.709 5.227 5.800 5.928 6.292 7.084 7.170 18. Business Activities which are not

clearly defined

NPL 1.073 835 1 1 1 1 1 1 1 3 1 1 8 8 8 8 7 10 NPL




NPL 1.930 2.612 4.012 3.903 3.519 4.144 4.328 4.099 4.099 4.304 4.251 4.281 4.273 4.136 4.117 4.072 3.572 4.279 NPL


NPL 32 66 57 49 46 51 56 56 56 63 60 59 73 71 69 66 58 64 NPL


NPL 59 141 161 147 146 174 196 189 193 212 205 218 233 228 231 233 221 249 NPL


NPL 56 95 124 131 142 152 149 216 351 390 446 350 341 335 331 320 320 326 NPL



multiguna)

18.639 140.040 114.941 114.815 115.952 115.237 115.342 115.814 116.183 116.443 117.270 117.399 117.393 118.768 152.223 153.778 158.388 158.405 - Others

NPL 456 1.690 1.567 1.559 1.483 1.658 1.703 1.708 1.719 1.816 1.798 1.824 1.853 1.835 1.940 1.912 1.770 1.963 NPL


NPL 1.150 302 307 314 318 351 365 372 381 396 424 476 484 490 368 384 392 424 NPL

r) Revised figures


Items2014

Tabel 4.2.a. Kredit dan NPL Bank Persero Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Credit Channeling and NPL Credit Channeling of State Owned Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)

Loans by Industrial OriginPenerima Kredit Lapangan Usaha

Keterangan2013


2011 2012

95


2015



NPL 588 640 741 750 613 661 746 758 668 1.337 1.520 1.407 1.528 1.552 1.548 1.538 1.385 1.565 NPL


NPL 45 43 32 34 35 35 35 29 40 41 31 40 40 41 42 43 41 41 NPL


NPL 166 728 1.268r) 1.041 1.178 1.187 1.307 1.428 1.451 1.844 1.870 2.195 2.159 2.641 2.806 2.753 1.889 1.990 NPL


NPL 4.628 3.683 3.745 3.559 3.842 3.744 3.855 3.938 4.432 4.531 4.660 5.028 5.546 5.680 5.839 5.780 5.126 5.488 NPL


NPL 202 127 139 467 450 448 441 621 623 704 691 690 700 935 887 989 957 1.009 NPL


NPL 1.011 843 780 793 737 778 848 889 1.020 937 924 1.171 1.605 2.063 2.235 2.442 1.840 2.091 NPL


NPL 4.802 4.168 5.067 5.109 4.931 5.227 5.927 5.931 6.213 6.622 7.066 7.916 8.089 7.383 8.822 9.024 9.143 9.565 NPL



NPL 262 152 449 438 160 163 154 279 284 332 366 409 436 476 496 439 464 528 NPL


dan komunikasi


and Communications

NPL 1.186 1.124 1.565 1.795 1.498 1.538 1.562 1.571 1.650 2.110 1.815 2.272 2.543 2.889 2.895 2.790 2.632 2.804 NPL


NPL 101 102 162 166 214 254 272 273 275 353 1.164 717 703 640 1.216 1.188 1.106 1.193 NPL


dan Jasa Perusahaan


and Business Services NPL 1.069 1.475 1.815 2.061 1.988 2.329 2.312 2.385 2.869 1.241 1.447 1.549 1.789 1.583 2.105 2.350 1.966 2.035 NPL



341 190 15 15 15 15 15 15 14 120 96 34 34 34 33 34 32 32 12. Government administration, Defese


NPL - 0 0 0 0 0 0 0 0 3 4 3 3 3 3 3 4 4 NPL

13. Jasa Pendidikan 2.217 2.619 2.906 2.987 3.197 3.176 3.223 3.256 3.506 3.598 3.792 3.858 3.944 4.053 4.091 4.144 4.018 3.947 13. Education Services

NPL 32 27 27 31 29 32 32 27 36 21 35 37 38 38 41 36 35 37 NPL


NPL 101 114 44 42 44 45 50 58 62 79 79 91 106 94 100 128 118 123 NPL



27.202 27.247 28.121 28.019 28.159 28.418 28.094 28.056 28.019 26.237 26.805 30.917 31.147 31.500 30.286 31.387 32.145 31.877 15. Community,


Individual Services NPL 490 415 618 625 473 488 494 509 543 494 499 914 962 982 939 1.021 970 998 NPL


Rumah Tangga

166 161 169 169 170 170 167 158 164 167 160 176 167 176 163 170 173 176 16. Individual Services which

Serve Households

NPL 12 17 9 9 10 11 11 10 9 10 10 9 11 11 6 7 6 8 NPL



6 5 9 9 9 9 9 52 52 56 54 52 54 55 57 55 54 56 17. International Agency and Other Extra


NPL - - 0 0 0 - 0 0 0 1 1 1 1 1 1 1 1 2 NPL


batasannya

3.479 2.042 448 1.128 697 604 404 402 1.315 16.113 8.522 1.348 592 615 611 579 589 534 18. Business Activities which are not

clearly defined

NPL 52 4 7 6 7 9 11 11 11 1.869 900 14 19 22 23 22 23 29 NPL




NPL 1.003 1.329 1.620 1.642 1.630 1.694 1.720 1.725 1.810 2.046 2.070 2.254 2.276 2.238 2.206 2.202 2.048 2.163 NPL


NPL 21 18 18 21 22 20 22 29 34 47 51 58 57 63 64 73 78 95 NPL


NPL 174 211 316 326 321 340 360 364 371 659 582 331 351 368 368 368 350 396 NPL


NPL 855 909 724 704 683 685 697 767 810 978 991 1.031 1.054 1.011 1.001 1.000 959 972 NPL



multiguna)

24.328 36.186 44.534 45.141 45.670 45.712 47.231 47.088 47.525 54.468 55.624 65.760 65.673 66.098 66.516 67.033 67.585 69.387 - Others

NPL 420 427 538 555 513 529 604 568 605 1.033 1.033 1.350 1.337 1.264 1.255 1.311 1.214 1.441 NPL


NPL 921 892 1.256 1.278 1.187 1.272 1.308 1.404 1.534 622 636 639 669 680 707 734 808 879 NPL

r) Revised figures


Tabel 4.3.a. Kredit dan NPL BUSN Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Credit Channeling and NPL Credit Channeling of Foreign Exchange Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)

2014


Keterangan


Items


20132011 2012

96


2015


1. Pertanian, Perburuan dan Kehutanan 572 914 1.732 1.761 1.433 1.463 1.518 1.575 1.641 1.776 1.909 1.893 1.892 1.972 1.961 2.101 2.185 2.184 1. Agricultures, Hunting and Forestry

NPL 14 13 31 34 32 34 38 38 61 58 71 71 70 70 78 68 77 81 NPL

2. Perikanan 167 209 240 242 250 251 264 264 271 304 297 296 274 347 359 368 374 387 2. Fisher

NPL 2 7 7 7 6 8 9 7 10 10 9 8 8 8 26 26 24 26 NPL

3. Pertambangan dan Penggalian 404 612 1.119 1.091 998 995 1.071 1.081 1.087 1.360 1.318 1.145 995 1.016 1.019 1.077 1.104 1.022 3. Mining and Quarrying

NPL 8 13 29 15 15 15 16 15 34 38 28 32 37 36 53 55 45 51 NPL


NPL 117 193 223 195 246 276 304 247 304 287 281 325 327 319 380 369 287 374 NPL

5. Listrik, gas dan air 187 97 154 160 148 148 150 152 152 184 366 377 375 377 377 457 445 480 5. Electricity, Gas and Water

NPL 0 1 1 1 1 2 2 2 2 6 5 5 5 3 3 3 3 3 NPL


NPL 96 134 141 140 135 142 132 123 145 151 129 117 132 117 149 133 125 159 NPL


NPL 288 448 565 574 530 596 615 606 684 822 831 897 898 880 912 871 809 891 NPL



NPL 20 30 38 36 34 38 40 39 65 79 83 86 83 94 86 83 91 86 NPL


dan komunikasi


and Communications

NPL 45 181 211 127 97 132 102 106 111 140 131 126 154 260 269 237 111 111 NPL


NPL 16 22 55 64 58 61 57 57 75 172 196 279 282 282 279 240 334 340 NPL


dan Jasa Perusahaan







NPL - - 0 0 0 0 0 0 0 2 2 1 1 1 1 1 1 1 NPL

13. Jasa Pendidikan 301 453 470 474 451 479 503 519 520 640 647 653 662 670 676 666 709 722 13. Education Services

NPL 3 7 3 4 3 2 4 3 3 1 1 2 2 1 1 1 1 5 NPL

14. Jasa Kesehatan dan Kegiatan Sosial 381 463 539 522 514 503 510 509 500 532 529 555 564 576 609 669 699 703 14. Health Services and Social Activities

NPL 5 5 8 8 5 5 4 7 9 6 5 4 4 4 4 4 4 4 NPL



2.103 4.006 5.716 5.653 7.591 7.404 7.033 7.242 7.537 5.119 3.298 3.341 3.286 3.497 3.378 3.283 3.369 3.430 15. Community,




Rumah Tangga


Serve Households

NPL 1 4 4 3 3 4 4 4 4 4 5 6 4 5 6 4 4 4 NPL





NPL - - - 0 0 0 0 0 0 0 0 0 0 - - - - - NPL


batasannya

20 33 20 29 23 18 20 22 20 2.157 r)

2.946 r). 3.409 3.975 4.446 4.853 5.497 6.182 5.833 18. Business Activities which are not

clearly defined

NPL 0 0 - - - - - - - 185 r)

214 199 201 192 118 255 272 268 NPL


House Hold

Rumah Tangga


NPL 141 131 147 145 135 144 143 147 143 140 134 134 139 140 139 146 153 162 NPL

- Untuk Pemilikan Flat atau Apartemen 87 150 184 184 184 182 180 187 190 197 200 215 210 231 251 229 251 259 - For Apartement Ownership

NPL 1 - - 1 - - - - - 0 - - - - - 0 0 0 NPL

- Untuk Pemilikan Ruko atau Rukan 124 109 119 116 116 123 118 114 113 116 116 134 151 155 163 164 162 161 - For Shop House Ownership

NPL 10 9 2 4 4 4 4 3 3 3 4 4 3 4 4 4 3 3 NPL


NPL 48 46 11 10 9 11 11 12 11 21 21 20 21 21 34 16 15 18 NPL



multiguna)

25.574 31.409 34.542 34.829 35.053 35.129 35.214 35.296 35.607 39.536 40.280 40.991 41.521 41.898 42.152 42.349 42.588 42.660 - Others

NPL 82 121 132 134 125 141 142 139 140 210 214 216 221 203 198 200 196 208 NPL

Bukan Lapangan Usaha Lainnya 4.545 5.691 5.999 6.074 6.037 6.032 6.005 5.999 6.044 587 538 275 171 166 124 425 469 426 Non Industrial Origin Others

NPL 41 28 51 69 51 61 58 71 72 8 6 8 8 7 4 4 5 5 NPL

r) Revised figures

Keterangan

2013 2014

Tabel 4.4.a. Kredit dan NPL BUSN Non Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Credit Channeling and NPL Credit Channeling of Non-Foreign Exchange Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)

Items





2011 2012

97


2015



NPL 240 552 783 773 722 902 952 957 977 1.059 1.155 1.174 1.233 1.205 1.069 1.117 1.073 1.105 NPL


NPL 22 29 37 36 32 33 36 41 41 43 42 43 44 42 45 46 42 45 NPL


NPL 45 83 138 111 81 62 62 58 95 150 141 143 147 144 138 152 146 146 NPL


NPL 220 272 341 370 359 375 385 416 401 549 558 548 556 552 466 583 525 548 NPL


NPL 5 111 120 122 122 124 125 126 127 165 165 165 166 168 146 146 146 146 NPL


NPL 607 1.154 1.565 1.645 2.101 1.641 1.650 1.736 1.966 2.248 2.020 2.142 2.156 1.961 2.127 2.474 2.366 2.446 NPL


NPL 900 1.101 1.689 1.676 1.573 1.717 1.811 1.885 1.995 2.090 2.105 2.206 2.360 2.327 2.355 2.569 2.490 2.662 NPL



NPL 60 118 125 124 120 130 176 178 298 302 232 235 246 124 133 145 123 125 NPL


dan komunikasi


and Communications

NPL 47 245 729 712 394 373 581 582 955 911 930 963 944 878 1.059 1.043 977 981 NPL


NPL 19 21 19 19 18 20 21 21 22 32 33 34 34 37 35 40 38 41 NPL


dan Jasa Perusahaan







NPL - - 0 0 0 0 0 0 10 0 0 0 0 0 0 0 0 0 NPL


NPL 8 4 10 10 9 13 13 12 18 18 19 18 18 17 17 14 12 13 NPL

14. Jasa Kesehatan dan Kegiatan Sosial 727 804 811 804 849 811 803 823 841 859 913 1.047 980 960 977 998 1.057 1.015 14. Health Services and Social Activities

NPL 14 18 17 15 14 14 14 14 15 17 20 21 20 19 18 30 28 17 NPL



2.613 3.875 5.290 5.398 5.145 4.889 5.247 4.939 4.982 5.199 5.341 5.314 5.306 5.558 5.647 4.526 4.432 4.224 15. Community,




Rumah Tangga


Serve Households

NPL 17 20 20 20 12 12 17 12 13 13 11 11 13 11 11 11 10 10 NPL





NPL 0 8 8 8 6 6 6 6 7 7 9 8 8 7 6 6 6 6 NPL


batasannya

239 150 18r) 12 47 55 84 109 107 122 172 149 193 161 44 46 112 112 18. Business Activities which are not

clearly defined

NPL 12 8 1 1 1 1 1 1 7 2 2 2 2 2 2 1 0 0 NPL


House Hold

Rumah Tangga


NPL 179 282 453 493 428 475 506 546 583 636 613 716 710 724 749 771 714 809 NPL


NPL 3 2 13 4 16 17 7 7 11 8 8 9 9 9 9 9 9 11 NPL


NPL 17 18 54 57 55 55 60 61 64 67 65 69 72 73 76 76 70 78 NPL

- Untuk Pemilikan Kendaraan Bermotor 438 418 466 452 450 442 438 428 433 516 515 498 489 488 487 492 499 500 - For Vehicles Ownership

NPL 4 4 4 4 4 4 4 4 5 5 5 5 6 5 5 5 5 5 NPL



multiguna)

46.536 66.292 74.374 74.989 75.750 76.585 77.522 78.781 79.255 82.084 83.374 84.071 84.549 86.105 90.393 91.886 92.864 92.769 - Others

NPL 162 225 257 238 229 238 244 249 249 321 344 343 364 356 383 382 364 380 NPL


NPL 260 154 208 217 190 244 251 208 248 250 302 307 327 340 335 342 247 254 NPL

r) Revised figures

Items

Tabel 4.5.a. Kredit dan NPL BPD Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Credit Channeling and NPL Credit Channeling of Regional Development Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)

Keterangan


2013


2014



2011 2012

98


2015



NPL 3 1 1 1 1 1 1 1 1 2 1 1 1 1 1 1 1 1 NPL


NPL 13 9 0 0 0 0 0 0 0 0 0 0 - - - - - - NPL


NPL - 117 325 344 360 361 344 443 450 453 460 448 448 459 462 466 547 514 NPL


NPL 921 859 601 565 678 635 613 716 859 1.032 1.300 1.191 1.150 1.321 1.216 1.253 1.329 1.371 NPL


NPL - - - - - - - - - - - - - - - - - - NPL


NPL 18 70 164r) 161 163 185 183 183 289 289 309 293 285 279 287 259 440 459 NPL


NPL 274 439 356 360 356 362 349 341 339 882 907 893 856 880 859 846 1.097 1.270 NPL

8. Penyediaan akomodasi dan 309 1.129 1.507 1.541 1.508 1.498 1.643 1.608 1.684 1.726 1.514 1.477 569 457 569 589 594 594 8. Provision of accomodation and the


NPL 9 9 0 0 0 0 0 0 2 2 3 2 0 - - - - - NPL


dan komunikasi


and Communications

NPL 210 284 407 419 430 441 421 417 431 470 457 477 439 501 579 550 645 576 NPL


NPL - - - - - - - - - 8 8 7 6 6 5 4 4 3 NPL


dan Jasa Perusahaan







NPL - - - - - - - - - - - - - - - - - - NPL


NPL 3 3 3 3 3 3 3 3 0 0 0 0 0 0 4 4 4 0 NPL


NPL 0 - 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 NPL



661 778 713 678 436 448 436 471 474 501 499 492 376 450 873 450 471 479 15. Community,


Individual Services NPL 2 21 4r) 1 1 1 0 1 12 12 12 12 12 1 12 11 11 12 NPL


Rumah Tangga


Serve Households

NPL - - - - - - - - - - - - - - - - - - NPL





NPL - - - - - - - - - - - - - - - - - - NPL


batasannya

455 159 226 238 174 173 212 208 210 212 219 233 201 254 250 251 265 261 18. Business Activities which are not

clearly defined

NPL 0 - - - - - - - - - - - - - - - - - NPL


House Hold

Rumah Tangga


NPL 37 41 54 53 55 60 56 61 59 69 68 62 54 55 56 47 47 48 NPL


NPL 1 1 6 6 6 6 6 6 6 1 1 1 0 0 0 0 0 0 NPL


NPL 0 0 6 5 5 5 6 6 6 10 10 10 6 6 6 4 7 7 NPL


NPL 34 28 12 10 10 11 10 13 12 13 12 15 14 15 13 13 12 13 NPL



multiguna)

810 969 993 1.045 1.059 1.079 1.079 1.106 1.114 1.140 1.189 1.211 1.184 1.887 1.279 1.326 1.423 1.465 - Others

NPL 84 117 26 32 30 31 26 25 26 33 34 28 27 67 28 29 38 39 NPL


NPL 396 336 321 324 326 336 241 237 233 240 244 254 258 247 245 236 232 232 NPL

r) Revised figures

Keterangan

Tabel 4.6.a. Kredit dan NPL Bank Campuran Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Credit Channeling and NPL Credit Channeling of Join Venture Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)




2013


2014Items2011 2012

99


2015



NPL 0 0 0 0 0 0 0 0 0 0 0 0 - - - - - - NPL


NPL - - - - - - - - - - - - - - - - - - NPL


NPL - 136 65 68 69 69 61 60 61 61 62 61 62 64 63 64 65 66 NPL


NPL 1.120 973 1.022 1.122 1.014 979 1.390 2.873 1.507 1.350 1.393 1.372 1.075 1.744 1.698 1.548 1.612 1.496 NPL


NPL - - - - - - - - - - 0 1 0 0 0 - - - NPL

6. Konstruksi 556 2.070 3.391 3.964 3.899 3.891 3.857 4.053 4.419 3.912 4.008 4.722 4.824 5.371 5.789 4.847 5.954 5.374 6. Construction

NPL 0 12 11 12 12 12 12 10 10 10 10 10 10 - 0 0 1 2 NPL


NPL 29 120 413r) 519 622 353 754 747 696 680 694 687 690 778 726 667 706 707 NPL

8. Penyediaan akomodasi dan 217 278 418 437 460 458 456 462 468 491 504 515 514 562 603 646 709 701 8. Provision of accomodation and the


NPL 0 0 0 0 0 0 0 - 0 - - 0 0 0 0 0 0 0 NPL


dan komunikasi


and Communications

NPL 151 8 162 169 172 170 163 154 154 143 145 141 145 145 141 143 145 150 NPL


NPL - - - - - - - - - - - - - - - - - - NPL


dan Jasa Perusahaan


and Business Services NPL - 8 0 0 0 46 56 60 0 - 0 - - - - 0 35 - NPL





NPL - - - - - - - - - - - - - - - - - - NPL


NPL 0 0 - - - - - - - - - - - - - - - - NPL


NPL 0 - - - - - - - - - - - - - - - 0 - NPL



1.082 1.469 1.526 1.611 943 947 904 564 571 577 724 723 749 779 923 935 961 957 15. Community,


Individual Services

NPL 0 0 0 0 0 0 - - - 0 - - 0 0 0 0 0 0 NPL


Rumah Tangga

- - - - - - - - - - - - - - - - - - 16. Individual Services which

Serve Households

NPL - - - - - - - - - - - - - - - - - - NPL



- - - - - - - - - - - - - - - - - - 17. International Agency and Other Extra


NPL - - - - - - - - - - - - - - - - - - NPL


batasannya

15.804 1.044 977 1.038 1.068 1.032 1.021 1.024 1.069 1.118 1.211 1.240 1.309 1.429 1.509 1.570 1.655 1.680 18. Business Activities which are not

clearly defined

NPL 202 45 37 32 16 15 15 2 1 1 0 1 1 2 3 2 1 0 NPL



- Untuk Pemilikan Rumah Tinggal 574 544 540 523 522 560 561 563 566 569 581 710 579 570 564 569 570 570 - For Home Ownership

NPL - 0 0 0 0 0 - - - - - 10 - - - - - 0 NPL


NPL - - - - - - - - - - - - - - - - - - NPL

- Untuk Pemilikan Ruko atau Rukan - - - - - - - 1 1 - - 1 1 1 1 2 2 2 - For Shop House Ownership

NPL - - - - - - - - - - - - - - - - - - NPL

- Untuk Pemilikan Kendaraan Bermotor 16 24 24 25 24 504 26 24 22 23 24 24 24 25 33 24 24 23 - For Vehicles Ownership

NPL - - - - - - - - - - - - - - - - - - NPL



multiguna)

3.954 3.971 4.174 4.293 4.342 4.265 4.314 4.287 4.277 4.363 4.436 4.550 4.455 4.425 4.462 4.645 4.617 4.572 - Others

NPL 209 83 102 103 102 92 91 108 95 97 98 102 99 93 88 87 85 88 NPL


NPL 1.715 1.282 1.500 1.511 1.389 1.434 1.465 323 330 330 344 342 357 334 325 322 333 345 NPL

r) Revised figures


2014

Tabel 4.7.a. Kredit dan NPL Bank Asing Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit

(Credit Channeling and NPL Credit Channeling of Foreign Owned Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)

Items2013




Keterangan 2011 2012

100


Pertanian,

perburuan

dan

Kehutanan

Perikanan

Pertambanga

n dan

Penggalian

Industri

Pengolahan

Listrik, gas

dan air Konstruksi

Perdagangan

Besar dan

Eceran

Penyediaan

akomodasi

dan

penyediaan

makan

minum

Transportasi,

pergudangan

dan

komunikasi

Perantara

Keuangan

Real Estate,

Usaha

Persewaan,

dan Jasa

Perusahaan

Admistrasi

Pemerintahan

, Pertahanan

dan Jaminan

Sosial Wajib

Jasa Pendidi-

kan

Jasa

Kesehatan

dan Kegiatan

Sosial

Jasa

Kemasyarakat

an, Sosial

Budaya,

Hiburan dan

Perorangan

lainnya

Jasa

Perorangan

yang

Melayani

Rumah

Tangga

Badan

Internasional

dan Badan

Ekstra

Internasional

Lainnya

Kegiatan yang

belum jelas

batasannya

Rumah

Tangga -

Untuk

Pemilikan

Rumah

Tinggal

Rumah

Tangga -

Untuk

Pemilikan Flat

atau

Apartemen

Rumah

Tangga -

Untuk

Pemilikan

Ruko atau

Rukan

Rumah

Tangga -

Untuk

Pemilikan

Kendaraan

Bermotor

Rumah

Tangga -

Untuk

Pemilikan

Peralatan

Rumah

Tangga

Lainnya

Bukan

Lapangan

Usaha

Lainnya

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 1 2 3 4 5 6

Jawa Barat 5.087 389 1.439 46.378 998 10.220 60.677 5.630 16.035 3.180 9.701 26 787 1.512 6.492 331 0 1.171 52.524 887 1.949 4.759 36.934 30.912 Jawa Barat

NPL 378 27 63 1.189 15 686 2.809 116 390 201 466 0 5 13 240 7 - 55 1.657 18 58 49 513 98 NPL

Banten 253 28 385 11.288 869 4.657 13.591 679 1.071 4.001 2.544 12 291 202 1.095 72 - 254 18.362 393 908 8.680 10.366 5.928 Banten

NPL 28 1 14 75 1 277 462 50 30 21 75 2 4 4 35 0 - 1 397 4 9 63 206 37 NPL

DKI Jakarta 93.631 3.008 125.537 385.260 77.302 79.354 256.439 35.266 110.065 139.450 110.957 1.909 2.548 4.990 25.561 257 69 3.863 87.725 8.750 8.674 85.000 61.581 72.650 DKI Jakarta

NPL 1.109 29 3.011 8.007 1.524 2.759 7.874 171 3.141 1.083 1.540 0 13 51 573 7 - 106 1.297 94 228 992 883 1.563 NPL

D.I Yogyakarta 528 80 29 1.764 44 668 6.949 1.707 383 634 1.203 5 182 193 1.013 85 - 169 3.508 61 214 510 5.280 120 D.I Yogyakarta

NPL 10 2 5 67 0 15 202 24 18 6 13 0 3 16 23 9 - 1 54 0 1 3 34 1 NPL

Jawa Tengah 5.388 815 332 35.134 262 4.151 63.126 3.907 3.971 3.928 4.070 109 494 862 3.426 385 10 641 16.132 218 853 4.393 19.336 21.698 Jawa Tengah

NPL 101 24 28 1.042 1 137 2.081 150 193 65 154 0 6 9 108 6 - 3 403 5 27 34 201 59 NPL

Jawa Timur 9.329 629 1.921 101.342 1.359 11.388 85.120 4.541 10.583 3.471 8.017 40 637 1.165 4.766 402 - 1.103 30.236 1.379 1.801 5.093 46.046 4.216 Jawa Timur

NPL 470 31 27 1.111 7 483 2.651 82 330 159 166 0 15 32 210 9 - 20 566 20 37 38 397 78 NPL

Bengkulu 968 22 36 303 23 208 2.999 129 57 18 182 1 21 34 139 8 0 45 1.111 20 183 53 3.436 2.569 Bengkulu

NPL 28 1 7 3 0 12 167 3 4 1 22 - 0 5 5 0 - 0 15 0 7 2 24 6 NPL

Jambi 4.818 36 133 930 4 855 5.786 498 323 193 508 1 21 90 426 15 1 82 3.393 29 425 206 6.899 298 Jambi

NPL 124 2 38 16 0 41 272 7 6 4 14 - 0 4 13 0 - 4 100 0 8 3 72 3 NPL

Aceh 1.529 39 28 1.257 116 606 5.312 144 94 38 181 2 21 75 379 28 123 49 2.033 69 215 140 11.723 633 Aceh

NPL 37 3 4 30 0 162 623 10 9 2 17 0 0 4 107 4 5 9 51 - 25 4 60 4 NPL

Sumatera Utara 29.246 335 405 32.570 807 5.278 39.174 1.791 3.814 1.542 3.981 24 263 881 4.009 92 0 300 11.319 256 2.055 4.702 18.987 1.434 Sumatera Utara

NPL 449 13 6 739 1 474 1.349 64 121 51 116 1 6 12 114 3 0 14 597 7 55 45 233 39 NPL

Sumatera Barat 3.993 78 314 1.834 15 533 10.369 583 418 682 381 6 124 165 613 14 - 104 2.400 79 240 147 4.505 9.373 Sumatera Barat

NPL 127 6 12 40 0 24 574 16 25 5 30 0 0 1 29 0 - 4 77 1 21 3 60 23 NPL

Riau 11.367 101 373 1.955 117 1.603 9.804 1.175 1.602 265 2.548 3 83 207 905 24 - 121 6.027 69 779 422 11.739 312 Riau

NPL 290 4 6 14 2 142 625 34 50 6 125 - 4 5 44 1 - 7 325 1 22 5 118 8 NPL

Sumatera Selatan 11.217 59 1.000 4.727 299 2.679 12.447 712 834 230 1.294 11 140 216 658 22 0 666 5.890 34 1.095 388 14.143 351 Sumatera Selatan

NPL 350 3 58 25 1 562 548 23 23 6 98 0 0 4 35 1 - 19 245 0 42 10 151 9 NPL

Bangka Belitung 223 57 1.905 550 1 195 2.084 115 54 16 136 1 2 18 98 6 - 6 801 8 187 91 2.313 8 Bangka Belitung

NPL 2 1 3 3 - 24 72 2 1 - 7 - 1 0 8 0 - - 22 - 2 1 14 0 NPL

Kepulauan Riau 95 67 490 4.472 412 1.208 4.627 875 4.064 79 938 2 99 43 394 19 - 46 5.134 77 639 368 4.542 161 Kepulauan Riau

NPL 47 1 3 24 0 85 92 30 26 4 8 0 0 0 12 1 - 0 118 0 16 2 38 1 NPL

Lampung 6.345 571 119 3.476 22 809 11.192 393 795 301 909 3 217 168 715 26 0 67 2.546 33 257 369 3.970 3.624 Lampung

NPL 48 6 3 107 1 22 416 13 57 34 16 - 7 12 12 1 - 14 106 2 4 4 54 17 NPL

Kalimantan Selatan 3.766 121 976 1.515 282 1.111 7.351 650 1.248 417 1.356 1 24 53 686 19 - 250 6.391 31 366 196 7.072 177 Kalimantan Selatan

NPL 22 9 59 34 34 56 288 6 197 14 53 0 0 9 39 1 - 3 188 1 15 4 55 0 NPL

Kalimantan Barat 5.666 115 58 1.042 82 946 8.381 663 1.774 261 918 3 41 155 358 9 - 250 2.838 59 760 199 9.410 38 Kalimantan Barat

NPL 31 2 4 13 0 56 172 11 33 3 8 0 0 0 7 0 - 2 59 4 13 1 40 1 NPL

Kalimantan Timur 4.455 89 3.834 5.931 67 3.719 11.626 1.486 4.485 345 4.534 8 26 136 1.588 33 1 185 6.622 114 777 2.580 11.390 359 Kalimantan Timur

NPL 312 3 132 37 0 517 501 27 485 19 457 0 1 4 265 1 - 31 254 2 28 26 160 9 NPL

Kalimantan Tengah 4.971 20 7 356 14 298 3.199 106 182 17 236 1 5 24 214 18 - 139 1.738 8 132 44 5.470 10 Kalimantan Tengah

NPL 9 1 1 3 0 21 102 5 6 0 6 - 0 1 10 1 - 1 41 - 7 0 22 0 NPL

Sulawesi Tengah 920 70 97 203 32 464 5.075 281 157 12 166 1 11 18 257 25 - 46 1.772 8 258 164 8.292 16 Sulawesi Tengah

NPL 18 2 1 9 0 21 212 11 2 1 6 - 0 1 14 1 - 0 39 - 6 2 45 1 NPL

Sulawesi Selatan 1.234 240 480 4.700 383 4.350 23.376 2.784 2.924 1.068 2.236 14 206 171 1.879 126 4 330 10.688 129 1.484 4.124 14.798 4.597 Sulawesi Selatan

NPL 88 8 94 112 3 301 935 145 86 196 167 3 1 1 53 6 2 5 395 2 69 31 178 23 NPL

Sulawesi Utara 261 209 55 705 4 635 5.986 410 266 22 548 4 42 38 539 15 - 11 3.266 66 288 218 6.503 5.519 Sulawesi Utara

NPL 12 17 2 101 1 66 218 13 20 8 7 - 0 1 21 1 - - 172 1 6 3 144 83 NPL

Gorontalo 603 23 5 91 1 122 1.912 76 30 2 56 0 3 4 94 9 - 1 698 8 37 136 2.435 1.787 Gorontalo

NPL 6 2 0 5 0 45 173 2 0 0 4 - - 0 8 1 - 1 29 0 4 1 41 4 NPL

Sulawesi Barat 247 7 2 45 1 35 1.290 39 11 1 41 0 2 11 85 7 - - 212 1 31 12 1.243 909 Sulawesi Barat

NPL 14 0 1 1 - 7 95 10 0 - 2 - - 0 16 0 - - 6 - 0 0 12 2 NPL

Sulawesi Tenggara 81 46 70 173 2 378 3.819 411 85 15 149 3 22 22 210 11 - 22 1.677 110 411 61 6.243 85 Sulawesi Tenggara

NPL 3 5 3 13 0 22 183 16 10 0 6 - 2 1 15 0 - 2 52 0 12 1 44 2 NPL

Nusa Tenggara Barat 319 33 15 244 13 420 6.019 583 158 108 411 3 13 138 348 25 - 82 2.568 78 234 226 5.676 3.341 Nusa Tenggara Barat

NPL 5 2 8 11 - 13 203 9 1 3 4 0 0 2 6 0 - 5 43 2 3 1 81 21 NPL

Bali 1.161 153 67 1.911 30 2.131 17.077 6.275 513 512 1.692 3 165 499 1.456 90 0 132 10.473 81 366 418 9.143 629 Bali

NPL 6 0 57 14 - 17 138 161 63 29 45 - - 1 10 1 - 0 76 1 2 4 36 12 NPL

Nusa Tenggara Timur 178 34 11 248 44 461 4.198 275 200 36 141 1 24 25 323 17 0 1 1.052 14 81 76 5.843 3.460 Nusa Tenggara Timur

NPL 4 2 1 2 4 25 133 4 6 1 4 - 1 0 10 0 - 0 11 0 - 1 45 14 NPL

Maluku 49 44 1 66 14 233 1.631 106 106 9 195 0 1 7 90 13 4 1 473 8 41 39 2.431 1.346 Maluku

NPL 5 2 0 1 0 29 48 4 2 - 12 0 - 0 6 0 1 - 5 0 - 0 25 12 NPL

Papua 658 46 44 315 40 1.099 4.903 664 614 65 387 47 19 29 1.106 23 1 50 1.304 17 334 55 7.242 500 Papua

NPL 8 2 0 75 3 268 163 19 91 0 15 0 4 2 53 0 - 0 42 1 4 1 87 5 NPL

Maluku Utara 11 10 1 34 0 147 1.231 87 47 3 53 0 13 5 77 4 1 8 444 35 16 22 1.478 1.287 Maluku Utara

NPL 1 1 - 2 0 22 59 3 4 - 2 - - 0 3 0 - - 5 1 - 0 13 4 NPL

Papua Barat 83 26 55 90 3 424 2.106 113 307 1 207 51 10 8 306 12 - 86 421 12 93 31 2.725 97 Papua Barat

NPL 54 1 0 9 - 47 216 2 95 0 4 0 0 - 8 0 - - 15 1 1 0 33 1 NPL

Lainnya 3.108 - 2.590 5.501 577 209 5.286 69 1.009 1.497 160 8.685 - 260 - - - 5.307 1 - - - 64 8 Other

NPL - - - - - - 162 - 170 - 9 - - - - - - - - - - - - 0 NPL

Total 211.790 7.601 142.816 656.410 84.242 141.592 704.159 73.220 168.280 162.418 161.036 10.982 6.560 12.423 60.308 2.243 213 15.590 301.781 13.140 26.182 123.919 369.258 178.453 Total

NPL 4.196 212 3.651 12.933 1.600 7.439 24.820 1.241 5.695 1.925 3.683 7 73 197 2.111 63 7 308 7.461 171 732 1.334 4.119 2.139 NPL

r) Revised figures

Tabel 4.8.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I Bank Penyalur Kredit - Januari 2015Credit and NPL of Commercial Bank to Non Banks Third Party Based on Business Sector and non Business Sector of Credit by Region - January 2015)


Bukan Lapangan UsahaLapangan Usaha

Keterangan Location


101


2015


Type of Use

Credit to Third Party

1. Modal Kerja 1.068.676 1.316.689 1.506.089 1.535.973 1.585.659 1.546.833 1.545.883 1.572.862 1.607.627 1.609.581 1.650.529 1.675.228 1.671.457 1.708.471 1.698.551 1.713.799 1.757.449 1.712.819 1. Working Capital

NPL 28.279 28.963 32.073 32.157 31.470 32.945 35.544 37.185 37.908 40.652 40.265 42.508 42.933 43.567 44.573 46.002 43.840 47.416 NPL

2. Investasi 464.262 591.425 756.373 775.085 798.157 799.077 805.189 814.094 830.170 846.172 857.965 852.749 857.834 872.348 869.309 881.519 903.194 909.065 2. Investments

NPL 8.917 10.032 14.282 14.228 13.633 14.454 14.703 15.178 16.720 18.622 19.493 20.178 22.090 22.692 23.541 23.386 21.223 22.746 NPL

3. Konsumsi 667.155 799.748 897.014 903.338 909.058 912.510 916.749 919.942 923.551 947.396 959.669 967.053 969.073 980.475 990.210 1.001.297 1.013.666 1.012.736 3. Consumption

NPL 10.499 11.600 14.057 14.046 13.176 14.433 14.832 13.715 14.250 15.027 15.075 15.525 15.697 15.417 15.356 15.368 14.324 15.955 NPL

2.200.094 2.707.862 3.159.476 3.214.397 3.292.874 3.258.421 3.267.820 3.306.899 3.361.348 3.403.148 3.468.162 3.495.030 3.498.364 3.561.295 3.558.070 3.596.614 3.674.308 3.634.620 Total Credit

NPL 47.695 50.595 60.412 60.431 58.279 61.831 65.080 66.079 68.878 74.302 74.833 78.211 80.719 81.676 83.470 84.757 79.388 86.117 NPL

User Orientation


1. Ekspor 41.876 47.799 53.897 56.961 62.518 57.608 57.777 57.680 61.371 60.703 62.142 60,435 r).

58.720 61.621 59.551 59.882 61.014 58.808 1. Ekspor

NPL 1.602 1.616 1.420 1.331 1.571 1.360 1.460 1.313 1.323 1.353 1.698 1,753 r).

1.946 2.110 2.004 1.809 2.224 2.128 NPL

2. Impor 26.525 38.985 69.518 66.402 70.611 66.394 61.412 58.466 58.856 58.386 63.008 61.356 51.353 53.792 53.412 54.950 56.049 56.484 2. Impor

NPL 733 587 751 777 618 161 642 638 568 794 864 842 900 887 572 497 636 636 NPL

3. Lainnya 2.131.118 2.621.078 3.036.061 3.091.035 3.159.745 3.134.418 3.148.631 3.190.752 3.241.121 3.284.059 3.343.012 3.373.239 r).

3.388.291 3.445.881 3.445.107 3.481.783 3.557.246 3.519.329 3. Other

NPL 45.245 48.392 58.241 58.324 56.091 60.310 62.978 64.127 66.987 72.155 72.271 75.616 r).

77.873 78.679 80.894 82.451 76.528 83.353 NPL

2.200.094 2.707.862 3.159.476 3.214.397 3.292.874 3.258.421 3.267.820 3.306.899 3.361.348 3.403.148 3.468.162 3.495.030 3.498.364 3.561.295 3.558.070 3.596.614 3.674.308 3.634.620 Total Credit

NPL 47.694 50.595 60.412 60.431 58.279 61.831 65.080 66.079 68.878 74.302 74.833 78.211 80.719 81.676 83.470 84.757 79.388 86.117 NPL

r) Revised figures

2013

Orientasi Penggunaan

2014


Tabel 4.9.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use )


Keterangan Items

Jenis Penggunaan

Kredit kepada Pihak Ketiga

Total Kredit


Total Kredit

20122011

102


2015


Type of Use


1. Modal Kerja 407.101 503.972 545.237 558.264 580.070 556.972 555.089 558.323 572.582 567.023 585.064 594.067 597.149 608.785 597.291 605.597 629.678 613.870 1. Working Capital

NPL 13.638 13.784 13.687 13.402 12.967 14.360 14.883 14.315 14.805 15.413 15.032 16.285 15.934 16.061 15.927 16.036 14.936 17.042 NPL


NPL 2.462 2.559 4.193 3.913 3.844 4.210 4.255 4.370 4.359 4.708 5.090 4.771 5.832 5.840 4.737 4.946 4.375 4.931 NPL

3. Konsumsi 234.535 286.571 319.366 321.925 326.677 327.272 329.989 332.743 335.868 341.297 348.106 348.085 349.691 354.107 358.403 362.909 370.924 371.404 3. Consumption

NPL 3.683 4.905 6.228 6.104 5.656 6.529 6.797 6.641 6.798 7.181 7.184 7.207 7.257 7.096 7.056 6.986 6.333 7.304 NPL

776.833 959.128 1.125.057 1.145.988 1.181.726 1.159.580 1.166.047 1.178.302 1.199.339 1.206.035 1.234.235 1.245.669 1.254.133 1.275.444 1.267.022 1.284.068 1.325.087 1.312.532 Total Credit

NPL 19.783 21.249 24.108 23.418 22.467 25.100 25.935 25.326 25.962 27.301 27.305 28.262 29.023 28.997 27.720 27.968 25.643 29.276 NPL

User Orientation


1. Ekspor 13.551 13.169 11.978 11.593 13.717 12.114 12.390 12.857 12.606 12.063 12.939 11.847 12.049 11.790 10.376 10.963 11.572 10.677 1. Ekspor

NPL

548

540 565 497 502 510 490 467 472 516 527 522 523 547 561 564 796 816 NPL

2. Impor

7.296

10.542 29.922 25.187 27.799 23.296 18.086 12.962 12.021 10.936 10.184 9.948 2.212 2.047 2.013 1.979 1.995 2.520 2. Impor

NPL

350

372 436 462 470 14 13 12 14 14 14 14 73 62 11 10 8 9 NPL

3. Lainnya 755.987 935.417 1.083.157 1.109.209 1.140.209 1.124.170 1.135.570 1.152.482 1.174.712 1.183.035 1.211.113 1.223.874 1.239.873 1.261.607 1.254.632 1.271.126 1.311.520 1.299.335 3. Other

NPL 18.885 20.336 23.107 22.458 21.496 24.577 25.431 24.846 25.476 26.771 26.764 27.726 28.427 28.388 27.148 27.394 24.839 28.451 NPL

776.833 959.128 1.125.057 1.145.988 1.181.726 1.159.580 1.166.047 1.178.302 1.199.339 1.206.035 1.234.235 1.245.669 1.254.133 1.275.444 1.267.022 1.284.068 1.325.087 1.312.532 Total Credit

NPL 19.783 21.249 24.108 23.418 22.467 25.100 25.935 25.326 25.962 27.301 27.305 28.262 29.023 28.997 27.720 27.968 25.643 29.276 NPL


2013

Tabel 4.10.a. Kredit dan NPL Bank Persero Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of State Owned Banks to Non Bank Third Party Based on Types and Orientation of Use)Miliar Rp (Billion Rp)

2014

Jenis Penggunaan

ItemsKeterangan 2011


Total Kredit



Total Kredit

2012

103


2015


Type of Use



NPL 10.005 9.122 10.617 10.820 10.151 10.673 11.595 11.931 12.947 14.054 14.191 14.890 15.839 15.884 17.280 18.148 16.570 17.355 NPL


NPL 4.746 4.540 5.851 6.106 6.057 6.277 6.462 6.785 7.239 8.474 8.891 9.573 10.440 11.150 12.722 12.406 11.139 12.154 NPL


NPL 3.390 3.785 4.472 4.526 4.356 4.540 4.711 4.857 5.165 5.384 5.364 5.664 5.745 5.623 5.602 5.689 5.456 5.946 NPL

922.541 1.114.279 1.275.573 1.285.761 1.311.522 1.303.765 1.309.430 1.330.329 1.346.741 1.363.998 1.386.170 1.388.486 1.408.786 1.432.433 1.438.972 1.453.468 1.481.808 1.462.214 Total Credit

NPL 18.141 17.448 20.941 21.453 20.564 21.489 22.769 23.573 25.351 27.912 28.447 30.126 32.023 32.657 35.605 36.242 33.165 35.455 NPL

User Orientation


1. Ekspor 8.800 9.391 13.582 13.746 14.471 14.126 14.169 16.619 17.605 16.800 16.884 16.664 r)

16.851 18.809 18.040 17.941 18.501 18.632 1. Ekspor

NPL 91 22 70***) 97 153 151 148 150 148 130 383 496 r)

671 670 672 687 740 741 NPL

2. Impor 7.256 11.385 15.883 15.706 15.784 15.942 16.617 17.865 18.505 19.368 19.676 19.081 19.841 20.739 20.458 19.742 21.058 20.420 2. Impor

NPL 199 97 138 131 76 75 72 70 39 294 296 275 275 273 478 377 398 393 NPL

3. Lainnya 906.486 1.093.502 1.246.108 1.256.309 1.281.267 1.273.697 1.278.644 1.295.845 1.310.632 1.327.831 1.349.609 1.352.741 r)

1.372.093 1.392.885 1.400.473 1.415.785 1.442.249 1.423.162 3. Other

NPL 17.851 17.329 20.697 21.225 20.335 21.263 22.549 23.354 25.165 27.487 27.767 29.355 r)

31.078 31.714 34.455 35.178 32.027 34.320 NPL

922.541 1.114.279 1.275.573 1.285.761 1.311.522 1.303.765 1.309.430 1.330.329 1.346.741 1.363.998 1.386.170 1.388.486 1.408.786 1.432.433 1.438.972 1.453.468 1.481.808 1.462.214 Total Credit

NPL 18.141 17.448 20.941 21.453 20.564 21.489 22.769 23.573 25.351 27.912 28.447 30.126 32.023 32.657 35.605 36.242 33.165 35.455 NPL

r) Revised figures

2014


2013



Total Kredit

Total Kredit


Jenis Penggunaan

Tabel 4.11.a. Kredit dan NPL BUSN Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of Foreign Exchange Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use)Miliar Rp (Billion Rp)


104


2015


Type of Use



NPL 635 810 990 952 1.001 1.113 1.190 1.101 1.308 1.349 1.364 1.463 1.478 1.472 1.575 1.530 1.509 1.674 NPL


NPL 285 692 707 648 618 713 613 667 770 806 812 886 918 994 975 1.005 850 913 NPL


NPL 323 336 340 359 319 355 352 365 361 383 380 382 391 374 378 371 373 396 NPL

68.143 89.451 104.423 105.760 108.228 107.131 108.394 110.697 113.081 115.619 118.732 120.127 119.860 121.904 121.638 123.216 126.001 125.046 Total Credit

NPL 1.243 1.838 2.037 1.958 1.938 2.181 2.155 2.133 2.439 2.537 2.556 2.731 2.788 2.840 2.928 2.906 2.732 2.983 NPL

User Orientation


1. Ekspor 10 5 2 1 0 0 1 1 1 7 13 0 0 0 0 0 5 5 1. Ekspor

NPL 0 - - - - - - - - - - - - - - - - - NPL

2. Impor 0 6 2 3 2 3 3 3 3 3 245 243 254 244 242 310 293 297 2. Impor

NPL - - - - - - - - - - - - - - - - - 27 NPL

3. Lainnya 68.133 89.439 104.419 105.757 108.226 107.127 108.390 110.693 113.076 115.609 118.475 119.884 119.605 121.659 121.395 122.906 125.703 124.743 3. Other

NPL 1.243 1.838 2.037 1.958 1.938 2.181 2.155 2.133 2.439 2.537 2.556 2.731 2.788 2.840 2.928 2.906 2.732 2.956 NPL

68.143 89.451 104.423 105.760 108.228 107.131 108.394 110.697 113.081 115.619 118.732 120.127 119.860 121.904 121.638 123.216 126.001 125.046 Total Credit

NPL 1.243 1.838 2.037 1.958 1.938 2.181 2.155 2.133 2.439 2.537 2.556 2.731 2.788 2.840 2.928 2.906 2.732 2.983 NPL

2014

Tabel 4.12.a. Kredit dan NPL BUSN Non Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of Non-Foreign Exchange Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use)Miliar Rp (Billion Rp)

2013

ItemsKeterangan

Jenis Penggunaan

Total Kredit




Total Kredit

20122011

105


2015


Type of Use



NPL 1.948 3.207 4.584 4.647 4.838 4.555 4.827 5.049 5.402 5.861 5.515 5.858 6.048 5.778 6.007 6.465 6.172 6.524 NPL


NPL 498 1.134 2.120 2.090 1.683 1.818 2.009 2.096 2.938 3.178 3.034 3.324 3.315 2.857 2.790 2.992 2.826 2.897 NPL


NPL 627 684 988 1.014 922 1.034 1.072 1.076 1.160 1.288 1.336 1.449 1.487 1.507 1.558 1.585 1.408 1.538 NPL

175.702 218.851 260.985 264.014 264.541 260.323 263.662 268.692 273.212 278.900 283.448 286.459 289.017 294.511 298.145 301.614 301.456 297.170 Total Credit

NPL 3.073 5.025 7.692 7.751 7.444 7.407 7.908 8.221 9.499 10.327 9.886 10.630 10.851 10.142 10.355 11.042 10.406 10.959 NPL

User Orientation


1. Ekspor 99 87 66 66 65 64 64 63 62 101 100 65 62 66 67 65 51 51 1. Ekspor

NPL 8 14 8 9 9 9 9 9 10 12 23 11 10 11 11 10 11 11 NPL

2. Impor 5 5 3 3 3 4 3 3 3 3 3 3 3 3 3 3 3 3 2. Impor

NPL 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 NPL

3. Lainnya 175.597 218.759 260.915 263.944 264.473 260.256 263.595 268.625 273.147 278.796 283.345 286.392 288.952 294.443 298.074 301.546 301.402 297.116 3. Other

NPL 3.065 5.010 7.683 7.741 7.434 7.397 7.898 8.210 9.489 10.314 9.861 10.619 10.839 10.131 10.343 11.031 10.395 10.947 NPL

175.702 218.851 260.985 264.014 264.541 260.323 263.662 268.692 273.212 278.900 283.448 286.459 289.017 294.511 298.145 301.614 301.456 297.170 Total Credit

NPL 3.073 5.025 7.692 7.751 7.444 7.407 7.908 8.221 9.499 10.327 9.886 10.630 10.851 10.142 10.355 11.042 10.406 10.959 NPL

2014


Jenis Penggunaan


Total Kredit


Total Kredit

Items

2013

Tabel 4.13.a. Kredit dan NPL BPD Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of Regional Development Banks to Non Bank Third Party Based on Types and Orientation of Use)Miliar Rp (Billion Rp)

Keterangan 20122011

106


2015


Type of Use



NPL 1.083 1.307 1.061 1.021 1.171 1.156 1.127 1.360 1.603 2.310 2.478 2.340 2.248 2.432 2.400 2.390 3.111 3.302 NPL


NPL 401 537 833 865 867 879 837 785 827 878 1.047 1.025 987 1.056 1.069 1.046 1.011 949 NPL


NPL 552 524 426 430 432 449 344 346 341 365 369 370 360 390 349 329 336 339 NPL

120.389 153.295 187.471 195.730 201.357 201.863 198.604 195.332 203.099 206.307 210.741 210.059 183.430 184.165 184.467 190.228 195.925 193.851 Total Credit

NPL 2.036 2.368 2.320 2.315 2.470 2.484 2.308 2.492 2.772 3.553 3.893 3.735 3.595 3.879 3.818 3.765 4.458 4.590 NPL

User Orientation


1. Ekspor 14.728 17.518 19.956 21.599 24.128 22.743 22.274 20.035 21.575 22.280 22.451 21.989 20.887 20.945 20.781 20.778 20.269 20.154 1. Ekspor

NPL 468 619 334 302 340 288 279 166 167 167 230 227 226 346 258 241 366 372 NPL

2. Impor 3.899 5.989 6.487 8.752 9.350 9.627 8.922 10.298 10.668 10.145 13.716 13.775 12.732 13.182 13.285 14.977 16.213 16.665 2. Impor

NPL 23 8 29 29 26 26 26 26 24 8 62 62 62 62 74 101 221 198 NPL

3. Lainnya 101.761 129.788 161.028 165.380 167.880 169.493 167.407 165.000 170.856 173.882 174.574 174.295 149.811 150.038 150.401 154.473 159.444 157.033 3. Other

NPL 1.545 1.742 1.957 1.985 2.104 2.170 2.003 2.300 2.582 3.379 3.601 3.445 3.307 3.471 3.486 3.423 3.870 4.020 NPL

120.389 153.295 187.471 195.730 201.357 201.863 198.604 195.332 203.099 206.307 210.741 210.059 183.430 184.165 184.467 190.228 195.925 193.851 Total Credit

NPL 2.036 2.368 2.320 2.315 2.470 2.484 2.308 2.492 2.772 3.553 3.893 3.735 3.595 3.879 3.818 3.765 4.458 4.590 NPL

2014

Items

Tabel 4.14.a. Kredit dan NPL Bank Campuran Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of Joint Venture Banks to Non Bank Third Party Based on Types and Orientation of Use)Miliar Rp (Billion Rp)

Keterangan

2013


Total Kredit

Total Kredit



Jenis Penggunaan

20122011

107


2015


Type of Use



NPL 970 732 1.134r)

1.316 1.341 1.087 1.923 3.430 1.844 1.666 1.685 1.674 1.385 1.939 1.383 1.434 1.542 1.520 NPL


NPL 525 569 578 606 564 557 527 476 586 579 619 599 598 795 1.248 991 1.023 901 NPL


NPL 1.924 1.366 1.602 1.614 1.491 1.526 1.556 430 425 427 442 453 456 426 413 409 418 433 NPL

136.486 172.859 205.968 217.144 225.500 225.759 221.684 223.546 225.876 232.290 234.835 244.229 243.138 252.838 247.827 244.021 244.031 243.807 Total Credit

NPL 3.419 2.667 3.314 3.536 3.396 3.170 4.006 4.336 2.854 2.671 2.746 2.726 2.439 3.161 3.044 2.833 2.984 2.854 NPL

User Orientation


1. Ekspor 4.688 7.629 8.313 9.956 10.136 8.562 8.879 8.105 9.522 9.452 9.755 9.870 8.870 10.011 10.286 10.135 10.616 9.288 1. Ekspor

NPL 487 421 406 426 567 403 534 521 527 528 535 497 517 537 501 307 311 188 NPL

2. Impor 8.069 11.058 17.221 16.752 17.673 17.522 17.780 17.334 17.657 17.931 19.185 18.307 16.311 17.578 17.410 17.939 16.486 16.579 2. Impor

NPL 162 109 147 154 45 46 529 529 492 477 489 489 488 488 8 8 8 8 NPL

3. Lainnya 123.154 154.172 180.434 190.437 197.690 199.675 195.024 198.108 198.698 204.907 205.896 216.053 217.957 225.249 220.131 215.947 216.928 217.940 3. Other

NPL 2.656 2.136 2.760 2.957 2.783 2.722 2.943 3.287 1.836 1.666 1.722 1.740 1.434 2.136 2.535 2.519 2.665 2.658 NPL

136.486 172.859 205.968 217.144 225.500 225.759 221.684 223.546 225.876 232.290 234.835 244.229 243.138 252.838 247.827 244.021 244.031 243.807 Total Credit

NPL 3.418 2.667 3.314 3.536 3.396 3.170 4.006 4.336 2.854 2.671 2.746 2.726 2.439 3.161 3.044 2.833 2.984 2.854 NPL



Total Kredit

Jenis Penggunaan

2014

2012

Total Kredit



Tabel 4.15.a. Kredit dan NPL Bank Asing Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan

(Credit and NPL of Foreign Owned Banks to Non Bank Third Party Based on Types and Orientation of Use)Miliar Rp (Billion Rp)

ItemsKeterangan

2013

2011

108


Ekspor Impor Lainnya1. Jawa Barat 120.137 49.917 127.965 2.279 1.016 294.724 1. Jawa Barat

NPL 5.011 1.650 2.393 77 25 8.952 NPL

2. Banten 29.694 11.598 44.638 474 41 85.415 2. Banten

NPL 879 201 717 1 0 1.796 NPL

3. DKI Jakarta 908.908 546.559 324.380 38.479 47.276 1.694.093 3. DKI Jakarta

NPL 19.836 11.162 5.057 1.549 591 33.914 NPL

4. D.I Yogyakarta 9.502 6.135 9.693 96 9 25.224 4. D.I Yogyakarta

NPL 266 149 94 1 1 505 NPL

5. Jawa Tengah 101.929 29.082 62.629 1.207 1.034 191.399 5. Jawa Tengah

NPL 2.999 1.111 730 227 5 4.609 NPL

6. Jawa Timur 198.221 47.593 88.772 5.406 4.279 324.901 6. Jawa Timur

NPL 4.637 1.164 1.135 56 7 6.874 NPL

7. Bengkulu 3.786 1.409 7.371 79 4 12.482 7. Bengkulu

NPL 164 96 54 0 0 312 NPL

8. Jambi 8.285 6.437 11.250 112 19 25.840 8. Jambi

NPL 414 133 186 1 0 732 NPL

9. Aceh 7.454 2.567 14.815 14 1 24.821 9. Aceh

NPL 923 103 144 0 0 1.170 NPL

10. Sumatera Utara 76.971 47.544 38.754 6.809 2.287 154.173 10. Sumatera Utara

NPL 2.437 1.094 977 204 2 4.303 NPL

11. Sumatera Barat 14.193 6.034 16.745 549 25 36.399 11. Sumatera Barat

NPL 671 222 185 6 1 1.072 NPL

12. Riau 15.665 16.592 19.347 284 63 51.257 12. Riau

NPL 787 573 479 1 1 1.837 NPL

13. Sumatera Selatan 20.470 16.742 21.901 721 10 58.382 13. Sumatera Selatan

NPL 1.269 486 456 1 0 2.210 NPL

14. Bangka Belitung 4.751 715 3.408 309 1 8.565 14. Bangka Belitung

NPL 86 40 39 0 0 164 NPL

15. Kepulauan Riau 9.265 8.662 10.921 58 131 28.659 15. Kepulauan Riau

NPL 150 183 174 0 0 507 NPL

16. Lampung 16.954 9.174 10.800 410 3 36.516 16. Lampung

NPL 612 158 186 0 0 956 NPL

17. Kalimantan Selatan 10.913 8.911 14.234 214 5 33.839 17. Kalimantan Selatan

NPL 425 400 262 1 0 1.087 NPL

18. Kalimantan Barat 11.100 9.624 13.304 152 11 33.865 18. Kalimantan Barat

NPL 230 114 118 0 0 461 NPL

19. Kalimantan Timur 21.499 21.047 21.842 323 3 64.062 19. Kalimantan Timur

NPL 1.238 1.555 478 - 0 3.270 NPL

20. Kalimantan Tengah 4.296 5.512 7.403 200 1 17.010 20. Kalimantan Tengah

NPL 129 37 71 0 0 238 NPL

21. Sulawesi Tengah 5.887 1.947 10.509 13 8 18.323 21. Sulawesi Tengah

NPL 228 71 93 0 1 392 NPL

22. Sulawesi Selatan 30.131 16.373 35.820 177 9 82.138 22. Sulawesi Selatan

NPL 1.534 671 698 1 0 2.902 NPL

23. Sulawesi Utara 6.803 2.946 15.860 37 3 25.569 23. Sulawesi Utara

NPL 343 145 410 0 0 897 NPL

26. Gorontalo 2.086 946 5.100 3 1 8.128 26. Gorontalo

NPL 173 75 79 0 0 326 NPL

25. Sulawesi Barat 1.413 413 2.409 1 0 4.233 25. Sulawesi Barat

NPL 118 30 20 0 0 168 NPL

24. Sulawesi Tenggara 3.874 1.647 8.587 14 8 14.086 24. Sulawesi Tenggara

NPL 183 98 111 1 1 391 NPL

27. Nusa Tenggara Barat 6.554 2.376 12.123 5 1 21.047 27. Nusa Tenggara Barat

NPL 221 51 152 0 0 424 NPL

28. Bali 20.400 13.466 21.110 182 3 54.791 28. Bali

NPL 251 292 130 0 0 674 NPL

29. Nusa Tenggara Timur 4.911 1.307 10.526 21 13 16.711 29. Nusa Tenggara Timur

NPL 162 34 71 1 0 266 NPL

30. Maluku 1.812 756 4.339 7 1 6.899 30. Maluku

NPL 78 33 42 0 0 153 NPL

31. Papua 6.881 3.228 9.451 3 4 19.553 31. Papua

NPL 483 220 140 0 0 842 NPL

32. Maluku Utara 1.272 461 3.282 5 0 5.009 32. Maluku Utara

NPL 69 28 23 - 0 120 NPL

33. Papua Barat 2.780 1.107 3.378 6 2 7.258 33. Papua Barat

NPL 237 198 52 0 0 487 NPL

34. Lainnya 24.021 10.238 72 160 212 33.958 34. Lainnya

NPL 172 170 0 - - 342 NPL

Total 1.712.819 909.065 1.012.736 58.808 56.484 3.519.329 Total

NPL 47.416 22.746 15.955 2.128 636 83.353 NPL

Location

Tabel 4.16.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan per Lokasi Dati I Bank Penyalur Kredit - Januari 2015

Credit and Non Perfoming Loan (NPL) of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use by Bank Location for January 2015Miliar Rp (Billion Rp)

LokasiModal Kerja

(Working Capital)Investasi

(Investment)Konsumsi

(Consumption)Orientasi Penggunaan (User Orientation)

109


2015



NPL 4.134 5.318 7.200 7.137 6.833 7.536 7.832 7.604 8.059 8.375 8.399 9.212 9.048 9.077 9.145 9.062 8.094 9.054 NPL

2. Banten 52.115 64.337 74.500 74.858 76.353 75.546 76.978 77.866 78.462 80.516 81.751 83.942 84.792 85.642 85.865 87.443 89.177 85.930 2. Banten

NPL 980 1.055 1.272 1.273 1.162 1.329 1.451 1.400 1.473 1.564 1.560 1.646 1.733 1.733 1.779 1.814 1.645 1.797 NPL

3. DKI Jakarta 1.080.426 1.310.522 1.534.156 1.563.789 1.604.953 1.595.387 1.591.591 1.605.976 1.636.214 1.660.673 1.689.899 1.712.952 1.706.930 1.739.637 1.723.872 1.741.751 1.782.027 1.779.848 3. DKI Jakarta

NPL 22.338 20.366 21.952 22.274 22.048 22.244 24.080 25.280 24.981 27.738 28.574 29.627 31.544 33.578 34.953 36.046 34.143 36.055 NPL


NPL 313 387 445 407 383 417 429 437 424 476 498 532 524 495 509 519 461 508 NPL


NPL 2.550 2.887 3.613 3.616 3.492 3.806 3.919 3.878 4.118 4.113 4.102 4.203 4.217 4.262 4.321 4.201 4.414 4.840 NPL


NPL 5.490 6.257 5.912 5.496 5.331 6.000 6.177 6.299 6.439 6.742 6.754 6.880 7.089 6.817 7.033 6.984 6.277 6.937 NPL

7. Bengkulu 7.399 9.361 11.074 11.159 11.277 11.146 11.243 11.428 11.595 11.735 11.944 11.945 11.999 12.248 12.353 12.459 12.601 12.565 7. Bengkulu

NPL 128 131 211 209 203 227 248 222 261 274 278 298 315 321 309 279 283 313 NPL

8. Jambi 15.104 19.282 23.242 23.357 23.615 23.389 23.624 23.922 24.090 24.362 24.863 25.004 25.082 25.367 25.559 25.780 26.225 25.971 8. Jambi

NPL 261 328 518 540 467 505 546 492 588 649 613 639 653 621 613 670 654 733 NPL

9. Aceh 18.714 20.755 23.578 23.721 23.538 23.588 23.532 23.819 24.042 24.310r)

24.701 24.214 24.260 24.628 24.690 25.010 25.221 24.836 9. Aceh

NPL 768 958 1.245 1.246 1.070 1.149 1.166 1.139 1.223 1.274r)

1.227 1.259 1.260 1.223 1.211 1.181 1.101 1.170 NPL

10. Sumatera Utara 106.073 130.886 147.617 149.110 155.203 152.610 151.964 155.166 156.892 155.541 158.919 158.300 155.570 158.433 158.312 161.055 166.025 163.269 10. Sumatera Utara

NPL 2.426 2.470 3.435 3.480 3.296 3.651 3.729 3.756 3.953 4.120 4.106 4.404 4.509 4.391 4.409 4.463 4.140 4.508 NPL


NPL 466 627 796 808 750 836 860 884 967 987 977 1.027 1.066 1.057 1.035 1.032 987 1.078 NPL

12. Riau 36.387 43.303 47.619 47.788 48.573 47.847 47.974 48.335 48.709 49.373 50.492 50.432 50.286 50.815 50.995 51.431 52.114 51.604 12. Riau

NPL 710 1.256 1.605 1.625 1.489 1.599 1.649 1.611 1.753 1.807 1.791 1.851 1.887 1.819 1.810 1.787 1.688 1.839 NPL

13. Sumatera Selatan 35.249 44.204 52.029 52.480 53.339 52.319 53.117 54.087 54.534 55.197 56.027 55.873 56.322 57.322 58.423 59.475 60.193 59.113 13. Sumatera Selatan

NPL 569 1.382 1.853 1.885 1.844 1.957 2.042 2.046 2.102 2.403 2.173 2.294 2.381 2.329 2.051 2.088 1.995 2.211 NPL

14. Bangka Belitung 4.993 5.467 7.526 7.871 7.813 7.428 7.622 7.387 7.811 8.125 8.297 8.045 8.315 8.272 8.290 8.487 8.767 8.874 14. Bangka Belitung

NPL 27 50 103 107 102 119 125 126 128 148 180 187 191 193 190 159 147 164 NPL


NPL 424 410 414 455 393 470 473 470 486 500 502 527 531 507 495 519 484 507 NPL

16. Lampung 23.782 30.146 35.018 34.468 35.422 34.666 35.245 36.051 36.789 37.245 37.267 36.086 37.144 37.722 37.585 37.869 38.488 36.929 16. Lampung

NPL 697 668 634 638 603 638 648 647 714 759 757 789 825 901 920 891 859 956 NPL

17. Kalimantan Selatan 21.006 26.634 30.620 30.995 31.584 31.099 31.406 31.833 32.356 32.854 33.460 33.356 33.681 33.923 34.127 34.325 34.920 34.058 17. Kalimantan Selatan

NPL 396 403 578 587 544 655 703 675 692 811 799 845 866 881 978 957 848 1.088 NPL

18. Kalimantan Barat 19.433 24.728 29.203 29.544 30.303 29.700 30.167 30.699 31.116 31.307 32.197 32.316 32.496 33.023 33.620 34.155 34.790 34.028 18. Kalimantan Barat

NPL 176 198 449 460 340 381 408 379 424 430 421 453 471 454 458 466 412 462 NPL

19. Kalimantan Timur 41.908 52.316 62.552 63.462 64.093 62.519 62.579 63.814 64.000 63.797 63.813 63.730 63.507 64.019 64.186 64.796 65.898 64.388 19. Kalimantan Timur

NPL 837 1.239 2.466 2.406 2.489 2.153 2.280 2.294 3.315 3.564 3.220 3.799 3.757 3.115 3.231 3.287 3.076 3.270 NPL

20. Kalimantan Tengah 11.491 14.281 16.417 16.683 16.748 16.329 16.364 16.626 16.803 17.064 16.635 16.658 16.804 16.953 17.063 17.280 17.356 17.211 20. Kalimantan Tengah

NPL 114 106 180 175 154 178 185 198 202 224 226 233 230 225 236 222 205 238 NPL

21. Sulawesi Tengah 11.125 13.523 15.979 16.155 16.408 16.199 16.499 16.883 17.016 17.314 17.751 17.748 17.897 18.288 18.336 18.591 18.806 18.344 21. Sulawesi Tengah

NPL 310 239 358 360 325 351 358 364 364 387 379 405 398 407 410 407 353 392 NPL

22. Sulawesi Selatan 53.068 66.433 73.940 74.063 75.625 74.416 75.245 76.103 76.880 77.815 79.429 79.504 79.770 80.468 80.652 81.710 83.568 82.325 22. Sulawesi Selatan

NPL 1.514 1.817 2.252 2.227 2.153 2.431 2.496 2.392 2.501 2.920 2.811 2.853 2.911 2.870 2.902 2.798 2.620 2.903 NPL

23. Sulawesi Utara 16.121 19.768 22.909 23.036 23.299 22.878 23.052 23.482 23.637 23.921 24.497 24.432 24.589 25.062 25.245 25.574 25.997 25.609 23. Sulawesi Utara

NPL 430 405 544 636 593 730 759 724 758 833 863 879 910 951 939 937 788 897 NPL

24. Gorontalo 4.433 5.522 6.580 6.640 6.735 6.706 6.754 6.876 6.961 7.065 7.210 7.229 7.271 7.427 7.966 8.055 8.184 8.133 24. Gorontalo

NPL 122 110 209 222 191 217 227 228 238 269 282 271 274 277 305 299 292 327 NPL

25. Sulawesi Barat 2.782 3.366 3.778 3.809 3.870 3.851 3.904 3.966 4.021 4.061 4.118 4.133 4.151 4.208 4.229 4.230 4.280 4.235 25. Sulawesi Barat

NPL 111 86 155 158 148 165 176 186 185 193 189 201 189 186 179 168 147 168 NPL

26. Sulawesi Tenggara 8.153 10.602 12.702 12.840 12.963 12.950 12.901 13.089 13.280 13.422 13.633 13.709 13.761 13.910 14.002 14.120 14.186 14.108 26. Sulawesi Tenggara

NPL 113 154 243 243 226 266 272 280 318 335 340 377 365 361 378 386 335 393 NPL

27. Nusa Tenggara Barat 12.122 15.323 17.892 18.120 18.383 18.291 18.569 18.923 19.160 19.383 19.741 19.794 19.955 20.320 20.530 20.882 21.242 21.053 27. Nusa Tenggara Barat

NPL 203 217 290 281 258 288 308 308 338 362 344 373 386 374 374 369 370 424 NPL

28. Bali 29.793 38.418 46.241 46.744 47.875 47.427 48.045 48.975 49.541 50.180 51.283 51.611 52.093 53.453 53.837 54.434 55.483 54.976 28. Bali

NPL 463 199 239 255 239 268 272 354 365 407 877 520 555 519 568 567 520 674 NPL

29. Nusa Tenggara Timur 10.184 12.525 14.717 14.824 14.917 14.607 14.788 15.071 15.324 15.594 15.944 16.074 16.211 16.529 16.748 16.994 17.094 16.744 29. Nusa Tenggara Timur

NPL 145 174 228 228 199 224 217 219 222 244 239 266 276 271 279 267 232 267 NPL

30. Maluku 4.926 5.576 6.385 6.437 6.545 6.345 6.449 6.590 6.612 6.691 6.793 6.784 6.813 6.938 6.980 7.057 7.072 6.907 30. Maluku

NPL 130 163 179 178 163 175 182 183 196 203 183 188 183 178 173 160 141 153 NPL

31. Papua 11.013 14.439 17.210 17.497 17.763 17.251 17.578 18.122 18.323 18.640 19.108 19.379 19.453 19.784 19.932 20.396 20.431 19.560 31. Papua

NPL 127 179 330 320 311 354 376 364 446 528 597 609 641 640 625 882 797 842 NPL

32. Maluku Utara 3.017 3.847 4.525 4.566 4.631 4.583 4.641 4.713 4.726 4.770 4.819 4.871 4.872 4.938 4.956 5.030 5.067 5.014 32. Maluku Utara

NPL 52 77 139 132 129 142 144 145 148 155 142 142 145 145 144 135 116 120 NPL

33. Irian Jaya Barat 3.914 5.398 6.493 6.536 6.731 6.494 6.636 6.831 6.938 7.087 7.255 7.259 7.302 7.403 7.471 7.512 7.616 7.265 33. Papua Barat

NPL 44 76 160 151 132 141 148 140 156 163 160 159 171 159 171 420 423 487 NPL

34. Lainnya 13.932 15.310 20.215 23.463 23.731 24.028 24.664 24.563 27.622 27.272 27.457 30.947 32.978 33.418 32.702 33.084 34.166 34.331 34. Lainnya

NPL 130 202 210 217 222 229 194 354 345 347 269 261 216 339 334 335 337 342 NPL

Total 2.200.094 2.707.862 3.159.476 3.214.397 3.292.874 3.258.421 3.267.820 3.306.896 3.361.348 3.403.148r)

3.468.162 3.495.030 3.498.364 3.561.295 3.558.070 3.596.614 3.674.308 3.634.620 Total

NPL 47.695 50.595 60.412 60.431 58.279 61.831 65.080 66.081 68.878 74.302r)

74.833 78.211 80.719 81.676 83.470 84.757 79.388 86.117 NPL

2011

Tabel 4.17.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lokasi Dati I Bank Penyalur Kredit

(Credit and NPL 0f Commercial Banks to Non Bank Third Party Based on Bank Location)Miliar Rp (Billion Rp)

Keterangan Items2013 2014

2012

110


2015


2.170.291 2.674.701 3.136.185 3.188.700 3.263.361 3.234.434 3.239.271 3.277.759 3.334.319 3.374.593 3.441.682 3.432.803 3.468.928 3.531.632 3.529.623 3.567.948 3.639.181 3.604.621





e. Macet 33.207 34.218 39.248 39.396 39.310 39.930 40.761 39.531 41.515 42.989 43.166 44.955 49.032 48.413 50.012 51.106 49.751 54.274 e. Lost

47.489 50.371 60.289 60.300 58.175 61.725 64.975 65.967 68.760 74.053 74.593 76.015 80.557 81.516 83.355 84.671 79.306 85.783

29.803 33.161 23.291 25.697 29.513 23.987 28.550 29.140 27.030 28.555 26.480 62.228 29.436 29.662 28.446 28.667 35.128 29.999

a. Lancar29.445 32.694 22.941 25.077 29.235 23.672 28.254 28.621 26.724 27.728 25.767 56.557 28.781 29.047 27.905 28.343 34.920 29.435

a. Current

b. DPK153 243 227 489 174 208 191 405 188 579 474 3.475 493 455 426 238 126 230

b. Special Mention

c. Kurang Lancar7 15 23 23 15 12 13 18 11 107 103 671 26 24 19 5 5 7

c. Sub-Standard

d. Diragukan5 13 13 21 8 13 13 14 19 46 32 29 27 26 26 11 5 254

d. Doubtful

e. Macet194 196 87 87 81 81 78 82 87 95 105

*)103 110 110 70 71 71 72

e. Lost

206 224 123 131 104 106 105 114 118 248 239*)

238 163 160 115 86 82 334 Non Performing Loan Pihak TerkaitNon Performing Loan of Non

Connected Parties

Tabel 4.18.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Hubungan Penerima Kredit dengan Bank

(Credit and NPL of Commercial Banks to Non Bank Third Party Based on Bank Relation with Beneficiary)Miliar Rp (Billion Rp)

Keterangan Items

Kredit Kepada Pihak Tidak Terkait

Kredit Kepada PihakTerkait Loan for Connected Parties

Non Performing Loan of Non Connected

Parties

Loan for Non Connected Parties

2011

Non Performing Loan Pihak Tidak

Terkait

20142012

2013

111


2015

Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Dec Jan

1. Bank Persero 7.683 9.326 10.220 10.477 10.726 10.774 10.747 10.715 11.005 11.679 12.426 12.783 12.928 13.413 13.929 15.111 16.261 16.580 1. State Owned Banks

NPL 150 188 214 224 221 234 239 241 243 243 253 263 274 285 289 309 320 345 NPL

2. BUSN Devisa 14.014 16.823 22.644 23.187 24.184 24.494 24.591 24.640 25.586 26.798 27.559 27.991 27.758 28.972 29.182 30.004 30.898 30.639 2.Foreign Exchange Commercial

Banks

NPL 482 363 410 384 386 398 408 419 427 453 451 464 513 502 527 559 554 636 NPL

3. BUSN Non Devisa - - - - - - - - - - - - - - - - - 3. Non-Foreign Exchange

Commercial Banks

NPL-

- - - - - - - - - - - - - - - - NPL

4. BPD 2 2 2 2 2 2 2 2 2 2 1 1 1 0 0 0 0 0 4. Regional Development Banks

NPL - 0 0 0 0 0 0 0 0 0 0 0 - 0 0 0 0 - NPL

5. Bank Campuran 3.248 3.656 3.852 3.908 3.984 4.073 4.009 4.009 4.073 4.127 4.262 4.192 4.211 4.278 4.258 4.343 4.382 4.453 5. Joint Venture Banks

NPL 222 182 193 196 195 200 120 115 113 111 108 113 118 118 116 112 113 117 NPL

6. Bank Asing 12.386 12.762 12.621 12.696 12.770 12.595 12.445 11.798 11.880 12.070 12.203 12.151 11.926 11.782 11.628 11.723 11.791 11.465 6. Foreign Owned Banks

NPL738

581 653 643 622 637 645 224 224 221 227 226 229 223 216 209 213 223 NPL

7. Bank Umum 37.333 42.568 49.338 50.270 51.666 51.938 51.795 51.164 52.547 54.676 56.450 57.118 56.823 58.445 58.997 61.182 63.332 63.138 7. Commercial Bank

NPL 1.592 1.314 1.470 1.447 1.424 1.468 1.412 999 1.006 1.029 1.039 1.066 1.133 1.128 1.148 1.189 1.200 1.321 NPL

Group of Banks

Tabel 4.19.a. Kredit dan NPL Bank Umum kepada Pihak Ketiga Bukan Bank Yang Penarikannya Menggunakan Kartu Berdasarkan Kelompok Bank

(Credit and Non Performing Loan (NPL) of Commercial Banks to Non Bank Third Party Withdrawn By Card Based on Group of Bank)Miliar Rp (Billion Rp)

Pengelompokan Bank2013

201220112014

112


2015



1. Pertanian, Perburuan dan

Kehutanan

1.584 3.106 3.012 3.010 2.943 2.950 2.920 2.882 2.910 2.864 2.858 2.762 2.684 2.751 2.754 2.862 2.922 2.915 1. Agricultures, Hunting and Forestry

NPL 411 1.998 1.964 1.995 1.966 1.970 1.927 1.904 1.927 1.910 1.920 1.970 1.917 1.970 1.967 2.033 2.005 2.001 NPL

2. Perikanan 133 106 103 101 103 100 99 99 100 101 100 99 114 109 95 101 101 100 2. Fisheries

NPL 87 71 69 67 69 67 67 67 66 68 68 67 82 82 68 75 69 69 NPL

3. Pertambangan dan Penggalian 321 2 258r) 0 1.265 1.265 1.265 1.395 1.265 1 0 134 135 1 1 1 1 1 3. Mining and Quarrying

NPL 1 1 0 0 0 0 0 0 0 1 0 1 1 1 1 1 1 1 NPL


NPL 78 995 132 117 117 117 132 131 131 134 316 333 321 308 320 324 325 329 NPL


NPL 416 274 288 292 292 283 283 279 284 283 283 258 258 266 292 362 291 291 NPL

6. Konstruksi 766 804 920 986 1.002 1.005 958 938 954 960 975 941 994 1.032 1.025 1.034 1.037 1.059 6. Construction

NPL 23 778 906 960 976 979 932 920 936 945 959 937 947 985 977 986 1.001 1.023 NPL

7. Perdagangan Besar dan Eceran 529 481 800 797 804 797 517 529 579 1.974 1.965 1.448 1.020 1.014 1.008 1.013 844 833 7. Big and Retail Trade

NPL 339 349 355 356 356 361 348 357 364 377 367 373 374 375 374 369 374 372 NPL

8. Penyediaan akomodasi dan

penyediaan makan minum

3.689 40 16r) 16 16 16 16 16 16 193 173 194 194 224 197 101 91 91 8. Provision of accomodation and

Food Supply Drinking

NPL 3.455 38 16 16 16 15 15 15 15 38 17 39 39 65 39 39 39 39 NPL

9. Transportasi, pergudangan dan

komunikasi

2.822 1.916 1.958 2.004 2.002 2.031 1.852 1.821 1.838 1.836 1.854 1.792 1.791 1.802 1.767 1.710 1.741 1.780 9. Transportation, Warehousing and

Communications

NPL 39 34 45 45 45 45 45 45 45 51 45 51 51 51 51 51 51 51 NPL

10. Perantara Keuangan 20 408 349 317 346 343 358 375 375 398 408 357 380 355 356 355 355 361 10. Transitional Finance

NPL 14 404 345 313 342 339 354 371 371 371 380 330 330 329 331 330 330 336 NPL

11. Real Estate, Usaha Persewaan, dan

Jasa Perusahaan

205 175 171 171 171 171 171 171 192 583 583 583 591 591 591 597 600 600 11. Real Estate, Business, Ownership,


NPL 144 139 140 140 140 140 140 140 140 134 134 134 134 134 134 134 134 134 NPL

12. Admistrasi Pemerintahan,

Pertahanan dan Jaminan Sosial

Wajib


and Compulsory Social Security

NPL 142 141 139 140 140 140 140 140 140 142 140 141 141 142 141 38 141 141 NPL


NPL - 30 30 29 29 30 29 29 29 29 30 29 29 29 29 29 29 29 NPL


NPL 67 79 69 72 73 73 71 70 71 87 72 87 87 90 89 89 90 91 NPL

15. Jasa Kemasyarakatan, Sosial Budaya,

Hiburan dan Perorangan lainnya

578 539 551 550 550 542 548 548 550 541 541 544 536 535 534 531 529 530 15. Community,

Sociocultural,Entertainment and

Other Individual Services

NPL 498 503 501 502 503 501 503 503 504 502 505 504 502 503 501 503 501 518 NPL


Rumah Tangga

25 21 195r) 191 189 163 176 170 164 159 153 138 134 129 110 16 13 13 16. Individual Services which Serve

Households

NPL 17 14 13 13 14 13 13 13 13 13 13 13 13 13 13 13 11 11 NPL

17. Badan Internasional dan Badan

Ekstra Internasional Lainnya

82 85 -r) - - - - - - 82 - 81 81 81 81 80 80 80 17. International Agency and Other

Extra Agency International

NPL 78 79 - - - - - - - 79 - 79 78 78 78 78 79 79 NPL


batasannya

5.536 4.702 5.140 4.754 4.747 4.751 5.040 5.001 5.387 4.319 4.430 4.479 4.456 4.425 4.418 4.505 4.300 4.319 18. Business Activities which are not

clearly defined

NPL 4.625 4.107 136 131 123 122 123 128 95 3.741 93 3.746 3.749 3.746 3.746 3.747 3.749 3.751 NPL

Total 29.425 24.576 26.052 26.205 27.375 27.509 26.145 25.719 25.430 26.521 26.681 25.698 25.061 25.094 24.828 24.499 23.301 23.528 Total

NPL 10.434 10.034 5.147 5.187 5.202 5.195 5.123 5.112 5.133 8.906 5.341 9.092 9.053 9.166 9.151 9.202 9.220 9.267 NPL

Tabel 4.20.a Penerusan Kredit (Off - Balance Sheet ) dan NPL Penerusan Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha Penerima Penerusan Kredit

(Credit Channeling (Off-Balance Sheet) and Non Performing Loan (NPL) of Commercial Banks Based on Industries Sector and non Industries Sector of Credit Channeling Beneficiary)Miliar Rp (Billion Rp)

Keterangan

2013 2014


Loan by Industrial Origin

Items20122011

113


2015


Berdasarkan Jenis Kredit Based on the type of credit

1. Kredit Usaha Kecil 1.

a. Dalam rangka penerusan kredit

dari BI

2.839 1.101 1.122 2.229 2.394 2.392 2.363 2.387 2.387 2.390 2.390 2.390 2.390 2.402 2.387 2.422 2.425 2.423 a. Channeling Credit From BI

NPL 1.071 2.179 2.345 2.342 2.313 2.337 2.337 2.339 2.339 2.339 2.339 2.351 2.336 2.372 2.375 2.373 NPL

b. Lainnya 6.203 6.001 5.442 1.182 1.166 1.150 1.153 1.148 1.152 1.207 1.203 1.204 1.216 1.213 1.204 1.201 1.201 1.197 b. Other

NPL 575 905 922 922 919 920 924 975 972 972 987 990 973 975 972 988 NPL

2. Bukan KUK 2.

a. Kredit kelolaan 23.355 13.834 13.473 15.308 16.013 16.186 14.875 14.480 14.666 14.769 14.948 14.539 14.265 14.324 14.107 13.974 13.841 14.098 a. Loans

NPL 583 2.648 1.739 1.735 1.697 1.662 1.678 1.686 1.902 1.876 1.820 1.913 1.928 1.940 1.957 1.982 NPL

b. Dalam rangka penerusan kredit

dari BI

331 72 75 72 44 44 44 44 44 44 44 44 44 40 44 44 40 44

b. Channeling Credit from BI

NPL 75 72 44 44 44 44 44 44 44 44 44 40 44 44 40 44 NPL

c. Bantuan Proyek 83 57 23 7 6 6 6 6 6 6 6 6 6 6 6 6 6 6 c. Aid Project

NPL 16 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NPL

d. Kredit Kelolaan di luar bantuan

proyek

199 17 11 10 5 4 4 4 4 4 4 4 4 4 4 4 4 4 d. Credit Channeling

NPL 8 8 3 3 3 3 3 3 3 3 3 3 3 3 3 3 NPL

e. Lainnya 346 9.078 9.279 5.768 7.746 7.726 7.699 7.650 7.170 8.099 8.084 7.510 7.136 7.103 7.075 6.848 5.783 5.755 e. Other

NPL 8.106 4.222 148 148 146 145 146 3.858 80 3.858 3.860 3.868 3.866 3.868 3.872 3.877 NPL

1. Koperasi 5.615 771 758 2.240 2.148 2.142 2.142 2.142 2.151 2.154 2.148 2.154 2.194 2.172 2.156 2.157 2.149 2.150 1.

NPL 662 2.147 2.058 2.053 2.054 2.054 2.063 2.064 2.059 2.064 2.105 2.084 2.069 2.069 2.063 2.065

2. Lembaga Swadaya Masyarakat 599 8.300 8.405 4.401 212 171 183 171 175 4.026 179 4.022 4.021 4.020 4.016 4.043 4.014 4.054 2.

NPL 8.046 4.281 211 169 170 170 174 3.953 178 3.952 3.954 3.956 3.955 3.983 3.960 4.002

3. Swasta Lainnya 27.142 21.090 20.262 17.936 25.015 25.196 23.820 23.407 23.103 20.340 24.353 19.523 18.848 18.901 18.656 18.299 17.138 17.324 3.

NPL 1.727 3.606 2.933 2.973 2.899 2.889 2.895 2.889 3.104 3.076 2.995 3.125 3.128 3.151 3.197 3.200

Total 33.356 30.160 29.425 24.576 27.375 27.509 26.145 25.719 25.430 26.521 26.681 25.698 25.062 25.094 24.828 24.499 23.301 23.528 Total

Other Private

NPL

2009 Indicator

NPL

Cooperation

NPL

20142011Indikator 2010

Small business loans

2013

r) Angka-angka diperbaiki r) Revised figures

Based Distribution Group

Non-Governmental Organization

Tabel 4.21.a Penerusan Kredit (Off-Balance Sheet) dan NPL Penerusan Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Kredit dan Golongan Penyalur Kredit

(Off-Balance Sheet Credit Channeling and NPL of Commercial Banks to Non-Bank Third Party Based on Types of Credit and Classification of Credit Providers)Miliar Rp (Billion Rp)

Not KUK

2012

Berdasarkan Golongan Penyalur

114


2015


Pembiayaan Musyarakah 10.412 14.624 18.960 27.667 39.874 38.685 39.254 40.583 42.830 44.055 45.648 46.739 47.353 48.611 48.627 50.005 49.387 49.416 Musyarakah Financing

Pembiayaan Mudharabah 6.597 8.631 10.229 12.023 13.625 13.322 13.300 13.498 13.802 13.869 14.312 14.559 14.277 14.356 14.371 14.307 14.354 14.207 Mudharabah Financing

Piutang Murabahah 26.321 37.508 56.365 88.004 110.565 109.803 110.047 111.727 112.288 112.820 114.322 114.128 114.002 114.891 115.088 115.602 117.371 115.979 Murabahah Accounts

Receivable

Piutang Salam - - - - - - - - -Salam Accounts

Receivable

423 347 326 376 582 547 570 586 588 595 563 578 582 585 598 618 633 630

Receivable

Lainnya 3.134 7.071 16.776 19.435 19.476 27.640 18.601 18.571 18.376 18.351 18.291 18.075 17.769 18.121 17.808 17.843 17.585 17.046 Others

Total 46.886 68.181 102.655 147.505 184.122 189.998 181.772 184.964 187.885 189.690 193.136 194.079 193.983 196.563 196.491 198.376 199.330 197.279 Total

Indicator2011 2012


r) Estimated figures

2014

Tabel 4.22 Pembiayaan Perbankan Syariah

(Financing of Sharia Banks)Miliar Rp (Billion Rp)

Indikator 2010


2009 2013

115


2015


1. Pertanian, perburuan

dan sarana pertanian

1.331 1.762 2.201 2.809 3.165 3.383 3.639 3.691 3.711 4.452 4.644 5.292 5.300 5.497 5.374 5.516 5.679 5.674 1. Agriculture, hunting and

agricultural facilities

2. Pertambangan 1.047 1.120 1.733 2.094 3.018 3.086 3.075 3.347 3.306 3.754 3.831 4.342 4.187 4.376 4.533 4.852 4.597 4.406 2. Mining

3. Perindustrian 1.579 2.337 4.077 5.008 6.029 6.117 6.514 6.543 6.015 10.540 11.477 12.344 12.466 12.714 13.053 13.567 13.300 13.700 3. Manufacturing

4. Listrik, gas dan air 698 1.354 2.381 3.159 4.663 4.629 4.564 4.491 4.507 3.735 3.982 4.434 4.502 4.896 4.631 5.370 5.492 5.710 4. Electricity, gas and water


6. Perdagangan, restoran

dan hotel

5.000 7.609 9.778 12.624 14.314 13.858 14.681 15.564 15.824 19.416 19.690 23.281 23.275 23.464 23.384 23.815 24.287 24.125 6. Trade, restaurants and

hotels

7. Pengangkutan,

pergudangan dan

komunikasi

3.349 3.696 3.369 4.321 5.387 5.510 5.493 5.488 6.740 15.255 15.082 14.620 14.082 13.697 13.372 11.954 12.192 12.104 7. Transportation,

warehousing and

communications 8. Jasa Dunia usaha 13.664 20.233 25.630 37.150 47.598 46.084 46.139 47.643 49.532 69.663 79.073 62.467 63.249 64.936 65.537 66.000 66.810 66.196 8. Business Services

9. Jasa sosial/masyarakat 2.661 2.975 4.464 7.878 12.085 11.957 11.562 11.954 12.149 8.006 6.724 12.740 11.768 11.190 11.016 10.997 11.022 10.882 9. Social Services

10. Lain-lain 14.042 22.902 43.164 65.319 79.775 79.050 78.224 78.177 77.871 47.449 40.448 43.639 43.350 43.748 43.667 44.299 44.282 43.208 10. Others

Jumlah 46.886 68.181 102.655 147.505 184.120 181.398 181.772 184.964 187.885 189.690 193.136 194.079 193.983 196.563 196.491 196.491 199.330 199.330 Total

Sektor Ekonomi 2009 Economic Sector 2012


**) Very provisional figures

***) Estimated figures

r) Revised figures

20112010

Tabel 4.23 Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi

(Financing of Sharia Banks Based on Economic Sector)Miliar Rp (Billion Rp)

20142013


**) Angka-angka sangat sementara

***) Angka-angka sangat-sangat sementara


116


2015


1. Aceh 849 1.617 2.338 2.707 2.971 2.943 2.956 2.973 3.007 3.035 3.071 3.075 3.068 3.077 3.067 3.070 3.048 3.014 1. Aceh


3. Sumatera Barat 833 1.833 2.476 3.292 3.744 3.728 3.715 3.721 3.739 3.754 3.763 3.747 3.701 3.687 3.681 3.683 3.682 3.622 3. Sumatera Barat



6. Jambi 411 712 1.194 1.699 2.051 2.045 2.037 2.037 2.047 2.040 2.027 2.020 2.005 1.998 1.991 1.989 1.977 1.948 6. Jambi


8. Riau 1.047 1.589 2.323 3.002 3.409 3.381 3.382 3.379 3.397 3.394 3.381 3.386 3.360 3.405 3.396 3.417 3.436 3.418 8. Riau

9. Kepulauan Riau 401 852 1.380 1.834 2.149 2.125 2.113 2.132 2.163 2.193 2.227 2.215 2.233 2.266 2.307 2.336 2.351 2.361 9. Kepulauan Riau

10. Riau 515 922 1.501 2.000 2.360 2.332 2.332 2.330 2.357 2.342 2.327 2.306 2.271 2.228 2.213 2.195 2.169 2.131 10. Lampung

11. DKI Jakarta 21.158 26.900 38.981 60.026 75.399 74.196 73.888 75.251 77.077 77.470 78.940 79.017 79.183 80.870 80.376 81.845 81.942 81.269 11. DKI Jakarta


13. Banten 1.111 2.086 3.707 4.698 5.803 5.793 5.861 5.540 5.587 5.594 5.710 5.930 5.917 5.952 5.877 5.913 5.791 5.856 13. Banten


15. DI Yogyakarta 629 868 1.451 1.701 2.103 2.048 2.090 2.106 1.943 2.161 2.300 2.423 2.410 2.434 2.487 2.505 2.549 2.497 15. DI Yogyakarta


17. Bali 115 298 545 864 2.537 2.523 2.159 1.325 1.328 1.334 1.353 1.347 1.385 1.395 1.450 1.477 1.479 1.473 17. Bali

18. Kalimantan Barat 588 720 1.080 1.740 2.456 2.435 2.445 2.465 2.480 2.483 2.493 2.498 2.488 2.499 2.513 2.552 2.555 2.517 18. Kalimantan Barat


20. Kalimantan Timur 1.048 924 2.193 2.823 4.587 3.760 3.825 3.807 3.889 3.940 3.968 3.988 4.000 4.003 4.074 4.123 4.126 4.023 20. Kalimantan Timur

21. Kalimantan Selatan 847 1.156 1.477 2.029 2.710 2.735 2.723 2.731 2.791 2.815 2.905 2.876 2.860 2.841 2.814 2.806 2.811 2.805 21. Kalimantan Selatan







28. Maluku 13 28 54 80 102 108 104 105 103 103 105 104 104 103 103 104 102 101 28. Maluku


30. NTB 396 556 895 1.293 1.632 1.635 1.659 1.758 1.782 1.810 1.826 1.839 1.844 1.853 1.878 1.896 1.894 1.875 30. NTB

31. NTT 33 75 156 229 292 282 280 281 283 285 282 272 265 268 265 263 256 253 31. NTT

32. Papua Barat 62 89 114 140 200 201 202 201 204 202 204 201 198 195 190 186 185 174 32. Papua Barat

33. Papua 140 272 348 504 605 590 592 595 597 599 603 601 600 598 609 601 586 558 33. Papua

34. Luar Indonesia 3 145 183 235 384 383 352 353 415 385 389 365 361 373 355 350 348 347 34. Outside Indonesia

Total 46.886 68.181 102.655 147.505 184.120 181.398 181.772 184.964 187.885 189.690 193.136 194.079 193.983 196.563 196.491 196.491 199.330 197.279

Lokasi 20122009 Location

Tabel 4.24 Pembiayaan Perbankan Syariah Berdasarkan Lokasi Bank Penyalur

(Financing of Sharia Banks Based on Banks Location)Miliar Rp (Billion Rp)

2011

r) Angka-angka diperbaiki r) Revised figures

2010

Total

2014


2013

117


2015

Des Des Des Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

1 Pertanian, Perburuhan, dan

Kehutanan

2.565 3.062 3.640 3.992 4.040 4.067 4.199 4.303 4.371 4.543 4.614 4.637 4.598 4.606 4.501 4.518 4.477 4.453 1. Agriculture, Hunting, and Forestry

2 Perikanan 40 73 106 138 137 137 142 167 158 169 184 177 180 184 186 194 196 206 2. Fishery

3 Pertambangan dan Penggalian 37 65 99 114 113 119 120 123 121 128 136 135 132 141 132 134 138 138 3. Mining and Quarrying

4 Industri Pengolahan 478 584 674 745 783 778 778 797 820 854 859 882 875 866 884 870 881 889 4. Processing industry

5 Listrik, Gas dan Air 14 26 29 39 38 39 41 42 48 47 47 48 46 45 47 52 52 51 5. Electricity, Gas and Water

6 Konstruksi 259 617 1.009 1.447 1.426 1.342 1.434 1.561 1.621 1.708 1.770 1.793 1.812 1.913 1.422 1.510 1.469 1.390 6. Construction

7 Perdagangan Besar dan Eceran 10.342 12.119 14.382 16.184 15.088 15.162 15.795 16.195 16.461 16.735 16.992 17.350 17.227 17.447 17.419 17.532 17.593 17.648 7. Wholesale and Retail Trade

8 Penyediaan Akomodasi dan

Penyedian Makan Minum

288 310 311 391 405 403 418 420 417 436 435 430 432 452 501 502 495 500 8. Provision of accommodation and

the provision of eating and

drinking9 Transportasi, Pergudangan dan

Komunikasi

577 902 1.140 1.082 1.104 1.112 1.105 1.150 1.181 1.242 1.266 1.259 1.264 1.285 1.313 1.329 1.339 1.361 9. Transportation, Warehousing and

communications

10 Perantara Keuangan 32 48 64 70 69 68 80 81 82 93 96 103 102 93 94 93 96 93 10. Financial intermediaries

11 Real Estate, Usaha Persewaan,

dan Jasa Perusahaan

66 202 272 499 516 520 511 513 513 528 550 541 556 582 1.307 1.342 1.406 1.405 11. Real Estate, Business, Ownership,


12 Administrasi Pemerintahan,

Pertanahan Dan Jaminan Sosial

Wajib


and Compulsory Social Security

13 Jasa Pendidikan 56 84 120 146 149 149 150 152 146 146 151 149 147 153 152 158 159 161 13. Education services

14 Jasa Kesehatan dan Kegiatan

Sosial

81 90 82 114 139 143 146 119 124 126 130 134 133 134 132 137 138 137 14. Health Services and Social Activities

15 Jasa Kemasyarakatan, Sosial

Budaya, Hiburan dan

Perorangan Lainnya

1.807 1.512 1.565 2.310 2.427 2.419 2.563 2.483 2.581 2.701 2.817 2.826 2.969 2.906 2.955 3.028 3.087 3.040 15. Community, Sociocultural,

Entertainment and Other Individual

Services

16 Jasa Perorangan yang Melayani

Rumah Tangga

275 396 506 692 683 696 733 739 801 757 773 769 782 816 810 834 870 878 16. Individual Services which Serve

17 Kegiatan Usaha yang Belum

Jelas Batasannya

1.683 1.748 1.939 2.720 2.611 2.742 2.912 2.896 2.859 2.915 3.126 3.122 3.022 3.101 2.821 2.884 2.905 2.882 17. Business Activities are not clearly

defined

18 Bukan Lapangan Usaha -

Rumah Tangga

3.785 4.502 5.376 2.493 2.470 2.499 2.451 2.550 2.523 2.554 2.631 2.646 2.654 2.701 2.814 2.638 2.726 2.739 18. Loans to Non Industrial Origin -

House Hold

19 Bukan Lapangan Usaha -

Lainnya

11.341 14.677 18.449 26.518 26.900 27.028 27.159 27.683 28.130 28.443 28.844 29.182 29.249 29.547 29.784 29.805 30.273 30.457 19. Non Industrial Origin-Others

Total 33.844 41.100 49.818 59.770 59.176 59.503 60.812 62.055 63.036 64.209 65.507 66.268 66.264 67.061 67.359 67.648 68.391 68.519 Total

Ket: 1) Merupakan sambungan halaman 194 Note : 1) Continue from page 194

Tabel 4.25 Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi

(Credit of Rural Banks Based on Economic Sector)Miliar Rp (Billion Rp)

Economic SectorSektor Ekonomi2012201120101) 2013 2014

118


2015

Des Des Des Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

- Pertanian, Perburuhan, dan Kehutanan 2.277 2.617 3.074 3.403 3.455 3.490 3.611 3.717 3.771 3.914 3.974 3.993 3.969 3.965 3.858 3.874 3.833 3.815 - Agricultures, hunting and forestry

- Perikanan 38 67 99 130 127 128 133 158 147 158 172 165 166 171 173 181 183 191 - Fisheries

- Pertambangan dan Penggalian 32 56 88 98 97 104 105 109 107 113 122 121 120 129 120 123 126 126 - Mining and Quarrying

- Industri Pengolahan 451 536 619 664 703 693 692 705 720 747 757 782 769 763 777 764 774 779 - Procesing industry

- Listrik, Gas dan Air 13 24 28 37 37 37 38 40 43 40 42 42 40 39 41 45 46 45 - Electricity, gas and water

- Konstruksi 238 565 933 1.337 1.315 1.239 1.321 1.449 1.502 1.581 1.638 1.650 1.669 1.766 1.288 1.355 1.307 1.225 - Construction

- Perdagangan Besar dan Eceran 9.679 11.368 13.433 14.087 14.028 14.080 14.645 15.019 15.264 15.511 15.765 16.082 15.863 16.126 16.087 16.186 16.243 16.279 - Big and retail trade

- Penyediaan Akomodasi dan Penyedian Makan Minum 249 261 264 319 326 319 323 323 323 335 335 331 331 350 382 381 375 369 - Provision of accomodation and food supply drinking

- Transportasi, Pergudangan dan Komunikasi 387 477 702 691 718 714 711 733 745 781 798 796 804 821 844 850 854 860 - Transportation, warehousing and communications

- Perantara Keuangan 27 43 56 56 56 56 67 68 69 80 82 90 88 81 82 81 84 80 - Transitional Finance

- Real Estate, Usaha Persewaan dan Jasa Perusahaan 59 183 216 435 443 447 439 439 427 452 475 459 441 463 1.157 1.184 1.235 1.229 - Real estate, Rental Business, and services company

- Administrasi Pemerintahan, Pertanahan dan Jaminan

Sosial Wajib

111 72 42 55 59 60 56 59 58 61 64 64 63 65 60 64 66 63 - Government administration, the defense and


- Jasa Pendidikan 44 62 83 103 102 102 100 99 94 100 104 101 101 105 104 107 107 108 - Education services

- Jasa Kesehatan dan Kegiatan Sosial 62 70 65 87 85 87 88 89 93 95 97 101 101 102 97 101 102 101 - Health and social services

- Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan

Perorangan Lainnya

1.437 1.330 1.363 2.085 2.161 2.161 2.295 2.216 2.322 2.438 2.552 2.565 2.715 2.654 2.698 2.762 2.815 2.773 - Community, Sociocultural,Entertainment and Other

Individual Services

- Jasa Perorangan yang Melayani Rumah Tangga 241 356 437 578 563 579 603 599 653 611 619 611 625 645 640 656 687 687 - Individual services which serve households

- Kegiatan Usaha yang Belum Jelas Batasannya 1.446 1.470 1.531 2.241 2.165 2.285 2.372 2.397 2.358 2.382 2.571 2.580 2.473 2.546 2.267 2.346 2.361 2.341 - International Agency and Other Extra Agency

International

- Bukan Lapangan Usaha - Rumah Tangga - - - 44 43 54 - - - - - - - - - - - - -

- Bukan Lapangan Usaha - Lainnya 0 0 - 395 376 391 - - - - - - - - - - - - -

16.790 19.557 23.030 26.846 26.860 27.025 27.600 28.218 28.696 29.401 30.168 30.531 30.336 30.790 30.674 31.060 31.198 31.070

- Pertanian, Perburuhan, dan Kehutanan 288 445 565 590 585 577 588 586 600 630 640 645 629 641 642 644 644 638 - Agricultures, hunting and forestry

- Perikanan 2 6 7 8 9 9 9 10 11 11 12 12 14 13 14 13 13 15 - Fisheries

- Pertambangan dan Penggalian 5 9 12 15 16 15 15 15 14 15 14 13 13 12 12 11 12 12 - Mining and Quarrying

- Industri Pengolahan 28 48 55 81 80 84 86 92 101 107 102 100 105 103 108 106 107 110 - Procesing industry

- Listrik, Gas dan Air 1 2 2 2 2 2 3 3 5 6 6 6 6 6 6 6 6 6 - Electricity, gas and water

- Konstruksi 22 52 77 110 111 103 114 112 118 127 132 143 143 148 134 155 162 165 - Construction

- Perdagangan Besar dan Eceran 663 750 949 1.070 1.059 1.082 1.150 1.175 1.197 1.223 1.226 1.268 1.363 1.321 1.333 1.346 1.350 1.369 - Big and retail trade

- Penyediaan Akomodasi dan Penyedian Makan Minum 39 49 47 72 78 85 95 97 94 101 100 100 101 102 119 121 120 132 - Provision of accomodation and food supply drinking

- Transportasi, Pergudangan dan Komunikasi 190 424 438 392 386 397 394 417 436 460 468 462 461 463 469 479 484 501 - Transportation, warehousing and communications

- Perantara Keuangan 5 5 8 13 13 12 12 13 13 13 14 13 14 12 12 13 13 13 - Transitional Finance

- Real Estate, Usaha Persewaan dan Jasa Perusahaan 7 19 56 64 73 73 71 74 87 76 76 82 115 119 149 158 171 176 - Real estate, Rental Business, and services company

- Administrasi Pemerintahan, Pertanahan dan Jaminan

Sosial Wajib

9 10 14 21 20 21 20 21 21 22 19 21 22 24 25 25 24 27 - Government administration, the defense and


- Jasa Pendidikan 12 22 37 43 47 46 49 53 52 46 47 49 46 48 48 50 52 53 - Education services

- Jasa Kesehatan dan Kegiatan Sosial 19 20 18 27 54 56 59 29 31 31 33 33 32 33 35 35 36 36 - Health and social services

- Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan

Perorangan Lainnya

370 182 202 227 266 258 268 267 259 263 264 261 255 252 258 265 272 266 - Community, Sociocultural,Entertainment and Other

Individual Services

- Jasa Perorangan yang Melayani Rumah Tangga 33 40 69 114 120 117 129 141 148 146 154 159 157 171 170 178 183 191 - Individual services which serve households

- Kegiatan Usaha yang Belum Jelas Batasannya 237 278 408 479 445 455 540 499 501 534 555 542 549 554 554 539 544 541 - International Agency and Other Extra Agency

International

- Jasa Perorangan yang Melayani Rumah Tangga - - - 9 11 13 - - - - - - - - - - - - -

- Bukan Lapangan Usaha - Lainnya - - - 127 111 120 - - - - - - - - - - - - -

1.929 2.364 2.964 3.466 3.486 3.525 3.601 3.604 3.687 3.811 3.863 3.909 4.025 4.023 4.087 4.145 4.194 4.252

- Kredit pemilikan rumah (KPR) yang dijamin dengan

hak tanggungan pertama dengan tujuan untuk dihuni

382 532 766 920 940 951 944 996 1.020 1.060 1.107 1.145 1.176 1.211 1.204 1.222 1.239 1.252 - Housing Loan (mortgage) secured by first mortgage in

order to live

- Kredit pemilikan kendaraan bermotor 1.072 1.346 1.422 1.708 1.815 1.749 1.850 2.013 1.917 1.910 1.920 1.961 1.945 1.952 1.902 1.935 1.926 1.901 - Vehicle Loans

- Kredit konsumsi lainnya 13.672 17.300 21.636 25.808 26.075 26.253 26.817 27.225 27.716 28.027 28.448 28.722 28.782 29.086 29.491 29.287 29.834 30.044 - Other consumer credit

15.126 19.178 23.824 28.436 28.831 28.953 29.610 30.233 30.653 30.997 31.476 31.828 31.903 32.248 32.598 32.443 32.999 33.196

Total 33.844 41.100 49.818 58.748 59.176 59.503 60.812 62.055 63.036 64.209 65.507 66.268 66.264 67.061 67.359 67.648 68.391 68.519 Total

r) revisi r) revised

Tabel 4.26 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan(Credit of Rural Banks Based on Type of Use)

Miliar Rp (Billion Rp)2010

Economic Sector2011

Consumption

Modal Kerja

Sektor Ekonomi

Working Capital

2012 2013

Total Modal Kerja

2014

Total Investasi

Total Konsumsi Total consumption

Total Working Capital

Investasi Investment

Konsumsi

Total Investment

119


2015



2. Banten 575 697 899 1.128 1.289 1.283 1.282 1.278 1.297 1.316 1.172 1.366 1.355 1.383 1.413 1.429 1.437 1.472 2. Banten

3. DKI Jakarta 473 592 700 882 981 987 985 1.008 990 1.022 1.281 1.043 1.041 1.055 1.077 1.113 1.164 1.142 3. DKI Jakarta





8. Jambi 183 214 289 488 544 538 540 542 541 540 542 538 534 536 532 534 525 520 8. Jambi

9. Aceh 99 76 90 100 118 116 118 121 121 122 125 125 122 123 125 126 126 124 9. Aceh


11. Sumatera Barat 757 829 975 1.050 995 986 997 1.004 1.012 1.022 1.030 1.020 1.004 1.005 1.003 1.005 1.002 1.000 11. Sumatera Barat

12. Riau 385 501 601 694 733 732 741 747 746 756 773 785 785 795 805 817 818 819 12. Riau

13. Kepulauan Riau 828 1.376 1.892 2.514 2.770 2.784 2.815 2.898 2.978 3.038 3.102 3.163 3.187 3.241 3.274 3.313 3.358 3.369 13. Kepulauan Riau



16. Lampung 2.281 2.899 3.467 4.022 5.465 5.520 5.777 5.852 5.919 5.984 6.079 6.149 6.187 6.289 6.350 6.115 6.454 6.504 16. Lampung





21. Sulawesi Tengah 188 221 379 811 1.187 1.210 1.223 1.237 1.243 1.252 1.270 1.284 1.285 1.295 1.303 1.314 1.337 1.367 21. Sulawesi Tengah

22. Sulawesi Selatan 263 364 546 790 931 978 999 1.016 1.035 1.055 1.060 1.052 1.047 1.054 1.059 1.066 1.067 1.074 22. Sulawesi Selatan






28. Bali 2.092 2.666 3.520 4.754 5.942 5.999 6.137 6.256 6.352 6.442 6.520 6.626 6.679 6.806 6.900 7.011 7.120 7.151 28. Bali


30. Maluku 167 161 311 541 757 769 788 811 820 841 857 865 878 898 919 936 945 954 30. Maluku

31. Papua 182 193 253 412 498 504 519 533 542 552 565 574 586 604 618 633 643 650 31. Papua


33. Papua Barat 0 20 52 101 125 129 136 142 148 157 162 162 174 197 215 225 222 223 33. Papua Barat

34. Lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34. Others

28.001 33.844 41.100 49.818 59.176 59.503 60.812 62.055 63.036 64.209 65.507 66.268 66.264 67.061 67.359 67.648 68.391 68.519

Lokasi Location2013

Tabel 4.27 Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi Bank Penyalur

(Credit of Rural Banks Based on Banks Location)Miliar Rp (Billion Rp)

2009 2010

Total Total

2011 20122014

120


2015Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

UMKM

1. Pertanian, Perburuan dan Kehutanan 1. Agriculture, hunting, and forestry

Baki Debet 27.192 40.709 45.773 46.725 48.193 47.576 48.434 49.353 50.525 51.187 52.239 52.881 52.507 52.869 53.280 53.837 54.506 53.874 Total

NPL 892 1.492 1.654 1.633 1.615 1.838 2.039 2.051 2.014 2.112 2.120 2.192 2.318 2.246 2.196 2.233 2.146 2.280 NPL

2. Perikanan 2. Fishery

Baki Debet 2.602 2.900 3.516 3.598 3.707 3.624 3.666 3.741 3.849 3.897 3.969 3.969 3.929 3.954 3.981 4.029 4.153 4.064 Total

NPL 161 163 179 178 171 191 202 197 209 214 193 228 217 186 202 173 157 163 NPL

3. Pertambangan dan Penggalian 3. Mining and quarrying

Baki Debet 3.938 5.427 4.697 4.862 4.753 4.592 4.585 5.047 4.843 5.066 4.959 4.979 5.166 4.491 4.774 4.558 4.763 4.752 Total

NPL 89 153 389 207 184 213 222 383 269 291 242 285 273 316 285 301 258 248 NPL

4. Industri Pengolahan 4. Processing industry

Baki Debet 52.231 59.500 57.361 58.373 60.087 58.993 59.993 64.187 64.960 66.032 67.812 67.229 65.338 66.768 65.370 65.267 67.558 66.161 Total

NPL 1.998 1.798 1.914 1.831 1.736 1.883 1.909 1.868 1.965 2.115 2.261 2.417 2.731 2.684 2.181 2.229 2.140 2.249 NPL

5. Listrik, Gas dan Air 5. Electricity, gas and water

Baki Debet 1.218 1.474 1.684 1.772 1.750 1.715 1.737 1.664 1.479 1.603 1.564 1.547 1.635 1.633 1.645 1.717 2.187 1.693 Total

NPL 49 14 24 25 22 25 25 24 26 26 26 28 29 29 28 26 26 28 NPL


Baki Debet 24.279 30.594 40.123 40.456 38.780 35.071 35.294 36.314 37.469 38.488 39.947 40.235 41.100 42.335 42.461 42.472 40.614 37.071 Total

NPL 1.324 1.497 2.081 2.097 1.865 2.140 2.239 2.189 2.504 2.770 2.705 2.887 2.900 2.913 3.023 3.358 2.990 3.209 NPL

7. Perdagangan Besar dan Eceran 7. Wholesale and retail trade

Baki Debet 202.447 248.870 313.269 314.650 323.056 315.744 321.005 327.825 332.607 336.071 344.632 342.307 340.881 344.611 344.189 348.487 355.198 345.064 Total

NPL 7.471 8.458 11.275 11.111 10.621 11.763 12.204 12.084 12.509 13.407 13.445 13.999 14.271 13.962 13.843 13.838 13.004 14.100 NPL

8. Penyediaan Akomodasi dan

Penyediaan Makan Minum

8. Provision of accommodation and the

provision of eating and drinking

Baki Debet 10.014 13.714 17.128 17.591 18.132 17.999 18.613 18.462 18.730 19.122 19.625 19.963 20.019 20.370 20.877 20.592 21.144 21.233 Total

NPL 352 303 384 372 357 417 427 466 490 526 537 555 561 592 603 583 550 589 NPL

9. Transportasi, Pergudangan dan

Komunikasi

9. Transportation, warehousing and

communications

Baki Debet 18.398 20.678 22.832 23.459 24.354 24.151 24.319 24.385 24.778 24.848 25.234 25.912 25.468 25.142 24.481 24.419 24.658 24.149 Total

NPL 452 485 684 663 654 772 799 797 802 883 917 976 1.022 1.059 999 1.069 964 1.037 NPL

10. Perantara Keuangan 10. Financial intermediaries

Baki Debet 10.311 14.147 13.596 13.798 13.963 13.918 14.564 14.858 14.660 14.531 14.748 14.887 14.851 14.745 14.555 14.686 14.578 14.236 Total

NPL 92 161 329 337 377 404 424 398 408 430 356 355 384 359 358 357 447 482 NPL

11. Real Estate, Usaha Persewaan, dan Jasa

Perusahaan

11. Real estate, Business Ownership, and

Business Services

Baki Debet 19.953 25.859 30.239 30.556 31.572 31.141 31.577 31.624 31.284 31.518 32.298 32.337 32.458 32.349 32.668 32.934 33.462 31.771 Total

NPL 629 689 925 999 881 985 970 1.023 1.050 1.085 1.030 1.097 1.198 1.245 1.246 1.255 1.189 1.273 NPL

12. Administrasi Pemerintahan,

Pertahanan, dan Jaminan Sosial Wajib

12. Government administration, defense

and compulsory social security

Baki Debet 399 229 270 272 284 261 253 253 244 248 251 252 247 243 231 227 221 204 Total

NPL 15 5 2 2 4 5 5 7 6 4 4 4 4 4 4 4 4 4 NPL

13. Jasa Pendidikan 13. Education services

Baki Debet 1.517 1.888 2.016 2.014 2.221 2.277 2.294 2.352 2.379 2.383 2.455 2.381 2.405 2.440 2.435 2.458 2.301 2.285 Total

NPL 23 22 42 41 39 42 38 36 37 36 52 54 54 50 58 49 47 50 NPL

14. Jasa Kesehatan dan Kegiatan Sosial 14. Health services and social activities

Baki Debet 2.918 3.518 4.138 4.173 4.237 4.227 4.319 4.398 4.495 4.641 4.709 4.733 4.587 4.553 4.560 4.638 4.803 4.823 Total

NPL 233 99 73 70 72 70 78 83 97 127 130 145 156 126 127 146 122 117 NPL

15. Jasa Kemasyarakatan, Sosial Budaya,

Hiburan dan Perorangan Lainnya

15. Community, Sociocultural,

Entertainment and Other Individual

ServicesBaki Debet 25.530 26.378 30.507 31.021 31.499 31.289 31.977 32.761 33.131 33.669 34.621 35.268 35.567 36.440 36.193 37.387 38.015 38.298 Total

NPL 619 891 1.035 1.017 876 932 969 985 1.049 1.166 1.176 1.235 1.263 1.239 1.258 1.154 1.052 1.156 NPL

16. Jasa Perorangan yang Melayani Rumah

Tangga

16. Individual services which serve

households

Baki Debet 655 672 1.381 1.445 1.499 1.525 1.597 1.639 1.708 1.775 1.850 1.900 1.915 1.961 2.002 2.059 2.090 2.105 Total

NPL 36 40 41 41 33 38 45 42 42 51 49 63 61 61 59 57 52 55 NPL

17. Badan Internasional dan Badan Ekstra

Internasional Lainnya

17. International Agency and Other Extra


Baki Debet 2.355 414 247 240 225 217 202 194 186 182 173 167 159 153 148 143 140 141 Total

NPL 53 8 8 8 6 6 6 6 5 6 7 7 6 6 6 6 6 6 NPL

18. Kegiatan yang Belum Jelas Batasannya 18. Business activities are not clearly

defined

Baki Debet 52.205 29.425 452 368 509 405 373 343 195 166 194 234 406 571 669 940 1.330 1.351 Total

NPL 1.185 731 1 2 1 2 2 1 7 3 2 2 3 3 4 5 5 6 NPL

19. Penerima Kredit Bukan Lapangan 19. Debtor is not the business field - other

Baki Debet - - - - - - - - - - - - - - - - - - Total

NPL - - - - - - - - - - - - - - - - - - NPL

20. Tidak Teridentifikasi 20. Un-identified

Baki Debet 0 - 2 2 3 - - (0) - 1 - - 5 0 0 0 0 12 Total

NPL 1 - - - - - - - - - - - 0 - - - - 0 NPL

Baki Debet 458.164 526.397 589.229 595.372 608.823 594.725 604.802 619.400 627.523 635.429 651.280 651.180 648.640 655.627 654.521 660.850 671.721 653.288 Baki Debet

NPL 15.674 17.011 21.038 20.633 19.515 21.725 22.603 22.640 23.488 25.253 25.251 26.530 27.451 27.078 26.480 26.843 25.159 27.054 NPL

Total

2013 2014

Tabel 4.28 Kredit dan Non Performing Loan UMKM dan MKM Sektor Ekonomi

(SMEs Credit & Micro, Small, and NPL Based on Economic Sector)Miliar Rp (Billion Rp)

Sektor Ekonomi Economic Sector

Jumlah

20122011

121


2015Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan

2013 2014

Tabel 4.28 Kredit dan Non Performing Loan UMKM dan MKM Sektor Ekonomi

(SMEs Credit & Micro, Small, and NPL Based on Economic Sector)Miliar Rp (Billion Rp)

Sektor Ekonomi Economic Sector20122011

MKM 1)

1. Pertanian 1. Agriculture

Baki Debet 26.285 40.423 Total

NPL 803 2.005 NPL

2. Pertambangan 2. Mining


NPL 124 262 NPL

3. Perindustrian 3. Manufacturing


NPL 2.502 2.900 NPL

4. Listrik 4. Electricity


NPL 45 131 NPL



NPL 1.441 1.637 NPL

6. Perdagangan 6. Trading


NPL 8.885 10.625 NPL

7. Pengangkutan 7. Transportation


NPL 313 351 NPL

8. Jasa Dunia Usaha 8. Business Services


NPL 1.252 1.754 NPL

9. Jasa Sosial 9. Social Services


NPL 2.073 1.942 NPL

10. Lain-lain 10. Others


NPL 8.678 10.107 NPL

Baki Debet 1.151.392 1.350.606 Baki Debet

NPL 26.115 31.714 NPL

1)

r) r) diperbaiki r) revised

1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data

MSM still based on credit limit, while data MSM Enterprise already in accordance with the criteria business of

MSM Enterprise in the Act No. 20

Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih

berdasarkan plafon,sedangkan data UMKM sudah sesuai dengan kriteria usaha pada UU

No. 20 tentang UMKM

Jumlah Total

122


2015


UMKM UMKM

1. Modal Kerja 1. Working Capital

Baki Debet 355.888 403.047 429.773 433.602 444.030 430.073 438.024 449.340 455.447 461.219 473.939 472.234 471.274 478.739 478.941 482.644 490.262 473.828 Total

NPL 12.770 13.645 15.869 15.654 14.652 16.325 17.061 17.004 17.672 18.972 18.732 19.688 20.239 19.874 19.696 19.925 18.761 20.269 NPL

2. Investasi 2. Investment

Baki Debet 102.275 123.350 159.455 161.770 164.792 164.652 166.778 170.061 172.075 174.210 177.341 178.946 177.366 176.889 175.579 178.206 181.459 179.459 Total

NPL 2.903 3.366 5.169 4.979 4.863 5.400 5.542 5.636 5.816 6.281 6.519 6.842 7.213 7.205 6.784 6.918 6.398 6.785 NPL

3. Konsumsi 3. Consumption

Baki Debet - - - - - - - - - - - - - - - - - - Total

NPL - - - - - - - - - - - - - - - - - - NPL

3. Tidak Teridentifikasi 4. Un-identified

Baki Debet 1 0 - - 1 - - - - 0 - - 1 - 0 0 - 0 Total

NPL 1 - - - - - - - - - - - - - - - - 0 NPL


NPL 15.674 17.011 21.038 20.633 19.515 21.725 22.603 22.640 23.488 25.253 25.251 26.530 27.451 27.078 26.480 26.843 25.159 27.054

MKM 1)

MKM 1)

1. Modal Kerja 1. Working Capital


NPL 14.233 17.473 NPL

2. Investasi 2. Investment


NPL 3.205 4.134 NPL

3. Konsumsi 3. Consumption


NPL 8.677 10.106 NPL


NPL 26.115 31.714

1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit, while data

MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20

1)

Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon,

sedangkan data UMKM sudah sesuai dengan kriteria usaha pada UU No. 20 tentang UMKM

Total

2014

Total

NPL

Jumlah

NPL

Tabel 4.29 Kredit dan Non Performing Loan UMKM dan MKM Menurut Jenis Penggunaan

(SMEs Credit and NPL Credit Based on Type of Use)Miliar Rp (Billion Rp)

Jenis Penggunaan Type of Use

Jumlah

201320122011

123


2015


UMKM1)

1. Bank Persero 1. State Owned Banks

Baki Debet 222.645 242.861 291.609 294.745 304.751 294.889 299.197 304.919 306.899 311.149 319.620 319.977 321.455 327.551 328.783 334.151 341.804 333.097 Total

Mikro 58.287 66.555 85.074 86.214 87.657 87.737 89.238 90.703 92.639 94.982 98.439 100.360 100.552 102.213 103.743 105.419 106.269 107.194 Micro

Kecil 86.113 98.136 117.004 118.274 122.730 118.737 120.745 122.922 123.736 125.301 128.554 128.217 128.581 130.441 130.833 133.980 136.580 132.375 Small

Menengah 78.245 78.169 89.531 90.257 94.363 88.416 89.214 91.293 90.523 90.866 92.627 91.400 92.322 94.898 94.207 94.752 98.956 93.528 Medium

NPL 9.019 9.093 11.212 10.908 10.362 11.680 12.265 11.966 12.270 13.297 13.016 13.729 13.974 13.425 13.399 13.279 12.138 13.442 NPL

Mikro 1.174 1.214 1.655 1.614 1.481 1.803 1.845 1.872 1.906 2.067 2.104 2.199 2.175 2.108 2.086 2.056 1.829 2.064 Micro

Kecil 4.450 4.694 5.332 5.186 4.922 5.453 5.722 5.582 5.576 6.128 6.082 6.410 6.561 6.218 6.137 6.076 5.552 5.999 Small

Menengah 3.395 3.185 4.226 4.108 3.960 4.425 4.697 4.512 4.788 5.102 4.831 5.120 5.237 5.099 5.175 5.146 4.757 5.378 Medium

2. BPD 2. Regional Development Banks

Baki Debet 31.314 45.082 47.339 48.931 46.896 44.355 45.225 46.089 47.234 48.145 49.588 50.258 50.924 51.828 52.631 52.970 50.837 48.408 Total

Mikro 4.509 9.038 9.285 9.310 9.156 8.893 8.804 8.713 8.841 8.804 8.838 9.004 8.832 8.848 8.833 8.850 8.733 8.573 Micro

Kecil 18.880 21.091 22.042 22.352 21.232 20.238 20.510 20.983 21.633 22.122 22.782 23.120 23.459 24.037 24.516 24.541 23.456 22.518 Small

Menengah 7.925 14.953 16.011 17.269 16.509 15.223 15.911 16.393 16.760 17.220 17.968 18.134 18.632 18.943 19.282 19.578 18.647 17.316 Medium

NPL 1.593 2.612 3.339 3.407 2.965 3.379 3.582 3.681 4.044 4.314 4.433 4.637 4.849 4.799 4.865 5.453 5.015 5.306 NPL

Mikro 239 443 657 698 685 890 836 879 937 987 995 1.061 1.063 1.051 1.061 1.069 1.013 1.059 Micro

Kecil 915 1.327 1.568 1.571 1.338 1.424 1.458 1.483 1.584 1.647 1.671 1.691 1.785 1.760 1.760 1.802 1.647 1.767 Small

Menengah 439 842 1.114 1.138 943 1.064 1.288 1.319 1.523 1.681 1.767 1.885 2.000 1.987 2.044 2.582 2.354 2.480 Medium

3. Bank Swasta Nasional 3. Foreign Exchange

Commercial Banks

Baki Debet 194.234 228.991 238.445 239.851 245.101 243.666 248.290 253.089 257.598 260.132 265.664 264.374 259.419 258.226 255.734 256.109 261.365 253.996 Total

Mikro 24.759 21.476 21.333 21.584 21.998 22.293 22.755 22.981 23.132 23.320 23.448 23.812 23.588 24.121 23.017 24.679 25.077 25.401 Micro

Kecil 40.660 44.581 41.214 41.511 41.954 41.078 41.605 42.060 42.224 42.001 42.776 43.001 42.782 42.334 41.673 41.651 41.458 40.790 Small

Menengah 128.816 162.934 175.898 176.756 181.148 180.296 183.931 188.048 192.243 194.810 199.440 197.560 193.049 191.771 191.044 189.779 194.831 187.806 Medium

NPL 4.710 5.096 6.225 6.070 5.933 6.376 6.486 6.723 6.891 7.354 7.506 7.885 8.363 8.562 7.910 7.771 7.666 7.939 NPL

Mikro 618 758 841 825 750 794 796 755 811 839 852 874 878 852 822 799 775 814 Micro

Kecil 1.645 1.720 2.105 2.133 2.077 2.135 2.124 2.121 2.223 2.277 2.293 2.383 2.433 2.366 2.358 2.299 2.248 2.325 Small

Menengah 2.447 2.618 3.279 3.112 3.105 3.447 3.566 3.847 3.857 4.237 4.361 4.628 5.052 5.344 4.730 4.674 4.643 4.800 Medium

4. Bank Asing dan

Campuran

4. Joint Venture Banks and

Foreign Owned Banks

Baki Debet 9.971 9.463 11.836 11.846 12.076 11.815 12.091 15.304 15.791 16.003 16.407 16.571 16.842 18.022 17.373 17.621 17.714 17.787 Total

Mikro 470 107 93 78 78 88 152 81 78 82 81 130 280 377 85 187 192 192 Micro

Kecil 874 465 568 462 466 452 502 488 498 435 424 439 463 497 456 474 482 491 Small

Menengah 8.627 8.891 11.175 11.305 11.532 11.276 11.436 14.735 15.215 15.487 15.903 16.003 16.099 17.148 16.832 16.960 17.040 17.103 Medium

NPL 352 208 262 249 256 290 270 271 283 289 297 278 265 292 307 340 341 367 NPL

Mikro 16 7 9 8 7 8 8 8 8 8 8 8 7 7 7 7 7 7 Micro

Kecil 62 40 23 13 10 11 9 10 11 11 13 13 13 13 12 13 13 12 Small

Menengah 275 161 230 229 238 271 253 254 265 270 276 258 245 272 288 321 321 348 Medium


NPL 15.674 17.011 21.038 20.633 19.515 21.725 22.603 22.640 23.488 25.253 25.251 26.530 27.451 27.078 26.480 26.843 25.159 27.054 NPL

Tabel 4.30 Kredit dan Non Performing Loan Rincian Kredit UMKM dan MKM Menurut Kelompok Bank

(Detail of SMEs Credit and Detail of MKM Credit Based on Group of Bank)Miliar Rp (Billion Rp)

Kelompok Bank Category of Bank

Jumlah Total

2013 201420122011

124


2015


Tabel 4.30 Kredit dan Non Performing Loan Rincian Kredit UMKM dan MKM Menurut Kelompok Bank

(Detail of SMEs Credit and Detail of MKM Credit Based on Group of Bank)Miliar Rp (Billion Rp)

Kelompok Bank Category of Bank2013 2014

20122011

MKM 1)

1. Bank Persero 1. State Owned Banks


Mikro 122.104 143.877 Micro

Kecil 188.524 234.031 Small

Menengah 104.996 124.540 Medium

NPL 11.258 15.271 NPL

Mikro 2.997 9.520 Micro

Kecil 3.722 2.611 Small


2. BPD 2. Regional Development Banks



Kecil 107.321 142.679 Small


NPL 2.562 3.297 NPL

Mikro 470 555 Micro


Menengah 915 1.253 Medium

3. Bank Swasta Nasional 3. Foreign Exchange

Commercial Banks



Kecil 195.035 228.341 Small


NPL 10.204 11.502 NPL




4. Bank Asing dan

Campuran

4. Joint Venture Banks and

Foreign Owned Banks





NPL 2.091 1.643 NPL

Mikro 1.223 849 Micro

Kecil 542 481 Small

Menengah 325 313 Medium


NPL 26.115 31.714 NPL

1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit,

while data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20

1)



Jumlah Total

125


2015


UMKM


2. Banten 16.026 18.863 21.902 22.446 22.631 22.137 22.385 23.330 23.443 24.534 25.345 25.176 25.036 25.174 24.807 24.936 25.305 25.267 2. Banten

3. DKI Jakarta 82.225 93.051 90.471 92.085 95.185 93.068 95.379 95.965 98.094 98.014 101.098 100.241 99.821 100.948 98.202 100.682 104.891 101.144 3. DKI Jakarta




7. Bengkulu 3.115 3.598 4.006 4.031 4.103 3.996 4.097 4.195 4.269 4.310 4.435 4.394 4.386 4.431 4.488 4.512 4.551 4.490 7. Bengkulu

8. Jambi 6.724 7.809 8.732 8.690 8.772 8.629 8.633 8.685 8.784 8.887 9.019 9.056 9.049 9.146 9.248 9.354 9.383 9.257 8. Jambi

9. Aceh 5.850 6.395 7.043 7.107 7.026 6.816 6.881 7.044 7.128 7.215 7.328 7.319 7.340 7.490 7.527 7.589 7.729 7.416 9. Aceh



12. Riau 13.995 16.096 17.624 17.718 17.968 17.543 17.892 19.980 20.228 20.349 20.838 20.706 20.676 20.964 20.919 21.121 21.292 20.727 12. Riau



15. Bangka Belitung 2.225 2.604 2.900 2.928 2.990 2.837 2.900 2.979 2.999 3.001 3.067 2.998 3.025 3.101 3.098 3.147 3.214 3.103 15. Bangka Belitung

16. Lampung 9.060 10.276 11.237 11.169 11.664 11.409 11.759 12.072 11.979 11.931 11.867 11.755 11.750 11.975 11.888 12.055 12.086 11.857 16. Lampung

17. Kalimantan Selatan 6.242 8.086 8.785 8.738 8.914 8.699 8.890 9.181 9.243 9.316 9.537 9.564 9.535 9.669 9.739 9.736 9.794 9.683 17. Kalimantan Selatan

18. Kalimantan Barat 6.910 8.350 10.105 10.305 10.673 10.449 10.659 11.144 11.318 11.476 11.922 11.814 11.914 12.005 12.067 12.254 12.715 12.418 18. Kalimantan Barat

19. Kalimantan Timur 15.118 17.295 20.085 20.290 20.018 18.966 19.128 19.524 19.760 20.006 19.979 20.155 20.333 19.778 19.732 19.876 19.982 19.127 19. Kalimantan Timur

20. Kalimantan Tengah 3.590 4.433 4.664 4.652 4.837 4.707 4.745 4.929 4.985 5.073 5.187 5.191 5.317 5.400 5.489 5.530 5.604 5.420 20. Kalimantan Tengah

21. Sulawesi Tengah 5.183 5.559 6.410 6.471 6.595 6.448 6.590 6.747 6.829 6.864 7.033 6.944 6.962 7.111 7.057 7.155 7.155 6.881 21. Sulawesi Tengah


23. Sulawesi Utara 5.923 5.861 6.356 6.367 6.431 6.242 6.333 6.607 6.680 6.727 6.912 6.829 6.763 6.740 6.745 7.049 7.150 6.958 23. Sulawesi Utara

24. Sulawesi Tenggara 2.871 3.715 4.459 4.495 4.516 4.478 4.566 4.629 4.716 4.780 4.875 4.866 4.874 4.913 4.943 4.944 4.914 4.883 24. Sulawesi Tenggara

25. Sulawesi Barat 1.326 1.567 1.820 1.838 1.875 1.894 1.919 1.967 2.005 2.025 2.058 2.055 2.064 2.092 2.130 2.158 2.212 2.114 25. Sulawesi Barat

26. Gorontalo 1.701 1.820 1.955 1.978 2.011 2.016 2.063 2.102 2.132 2.163 2.198 2.191 2.202 2.218 2.224 2.276 2.316 2.266 26. Gorontalo

27. Nusa Tenggara Barat 3.820 5.175 6.115 6.178 6.318 6.222 6.315 6.452 6.461 6.492 6.562 6.468 6.509 6.576 6.525 6.592 6.703 6.633 27. Nusa Tenggara Barat

28. Bali 13.050 16.356 19.193 19.323 19.951 19.352 20.113 20.561 20.821 21.122 21.916 22.137 22.182 22.627 22.834 23.000 23.483 23.307 28. Bali

29. Nusa Tenggara Timur 2.624 3.297 4.056 4.098 4.127 3.926 4.030 4.315 4.527 4.653 4.827 4.874 4.922 5.073 5.177 5.246 5.234 5.028 29. Nusa Tenggara Timur

30. Maluku 1.756 1.808 1.908 1.926 2.000 1.884 1.920 2.021 2.008 2.039 2.084 2.047 2.076 2.128 2.132 2.167 2.244 2.106 30. Maluku

31. Papua 4.752 5.477 6.301 7.231 7.471 7.113 7.245 7.587 7.691 7.823 8.050 8.162 8.134 8.286 8.410 8.703 8.608 7.963 31. Papua

32. Maluku Utara 1.204 1.327 1.449 1.451 1.474 1.436 1.439 1.376 1.374 1.386 1.401 1.402 1.383 1.388 1.377 1.403 1.391 1.368 32. Maluku Utara

33. Papua Barat 1.881 2.523 2.850 3.220 3.376 3.198 3.290 3.494 3.540 3.628 3.741 3.749 3.764 3.824 3.802 3.877 3.836 3.557 33. Papua Barat

34. Lainnya 259 369 313 332 335 62 59 55 54 55 56 63 60 56 52 89 87 45 34. Lainnya

35. Tidak Teridentifikasi 1.030 1.032 1.104 1.106 1.099 1.090 1.097 1.093 1.081 1.092 1.119 1.158 1.116 1.109 1.116 1.133 1.205 1.339 35. Tidak Teridentifikasi

Jumlah 458.164 526.397 589.229 595.372 608.823 594.725 604.802 619.400 627.523 635.429 651.280 651.180 648.640 655.627 654.521 660.850 671.721 653.288 Total

Tabel 4.31 Kredit UMKM dan MKM Menurut Lokasi Proyek Per Daerah Tingkat I

(SMEs Credit and MKM Credit Based on Project Location)Miliar Rp (Billion Rp)


20122011

126


2015


Tabel 4.31 Kredit UMKM dan MKM Menurut Lokasi Proyek Per Daerah Tingkat I

(SMEs Credit and MKM Credit Based on Project Location)Miliar Rp (Billion Rp)


20122011

MKM 1)

1. Jawa Barat 175.897 207.552 1. Jawa Barat

2. Banten 56.857 70.082 2. Banten

3. DKI Jakarta 215.963 237.266 3. DKI Jakarta

4. D.I Yogyakarta 13.368 15.857 4. D.I Yogyakarta

5. Jawa Tengah 95.742 114.094 5. Jawa Tengah

6. Jawa Timur 128.190 150.323 6. Jawa Timur

7. Bengkulu 8.430 10.503 7. Bengkulu

8. Jambi 15.415 18.485 8. Jambi

9. Aceh 18.585 20.217 9. Aceh

10. Sumatera Utara 58.917 70.333 10. Sumatera Utara

11. Sumatera Barat 23.000 27.088 11. Sumatera Barat

12. Riau 32.210 37.337 12. Riau

13. Kepulauan Riau 12.940 15.193 13. Kepulauan Riau

14. Sumatera Selatan 30.079 35.261 14. Sumatera Selatan

15. Bangka Belitung 4.551 5.434 15. Bangka Belitung

16. Lampung 20.742 23.862 16. Lampung

17. Kalimantan Selatan 17.238 20.819 17. Kalimantan Selatan

18. Kalimantan Barat 16.295 19.963 18. Kalimantan Barat

19. Kalimantan Timur 27.365 33.123 19. Kalimantan Timur

20. Kalimantan Tengah 8.452 11.769 20. Kalimantan Tengah

21. Sulawesi Tengah 11.587 14.043 21. Sulawesi Tengah

22. Sulawesi Selatan 42.958 50.569 22. Sulawesi Selatan

23. Sulawesi Utara 15.716 18.500 23. Sulawesi Utara

24. Sulawesi Tenggara 8.595 10.806 24. Sulawesi Tenggara

25. Sulawesi Barat 3.211 4.002 25. Sulawesi Barat

26. Gorontalo 4.775 5.977 26. Gorontalo

27. Nusa Tenggara Barat 12.762 15.609 27. Nusa Tenggara Barat

28. Bali 27.122 33.573 28. Bali

29. Nusa Tenggara Timur 10.291 12.388 29. Nusa Tenggara Timur

30. Maluku 4.725 5.478 30. Maluku

31. Papua 9.505 12.161 31. Papua

32. Maluku Utara 3.104 3.900 32. Maluku Utara

33. Papua Barat 3.630 4.752 33. Papua Barat

34. Lainnya 13.176 14.288 34. Lainnya

Jumlah 1.151.392 1.350.606 Total

1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit,

while data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20

1)



127

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